Which carriers cut car insurance rates in Florida in 2026?

State Farm (-10%); Progressive (-8%); GEICO (-8%); Allstate (-8%); USAA (-8%). Cuts usually reach new customers first and existing customers only at renewal.

If my carrier cut rates, will my bill go down automatically?

Not necessarily. Decreases often apply to new business first and to existing customers only at renewal. Re-shopping is the reliable way to capture the lowest current rate.

Where does this Florida rate-change data come from?

Approved rate filings from the state Department of Insurance and reputable outlets — each row links to its source. Figures are statewide averages; your change depends on your risk profile.

Florida Auto Insurance Rate Changes (2026)

Are you actually getting the new rate?
Approved changes are statewide averages, and a cut usually reaches new buyers first — existing customers often don’t see it until their next renewal, if at all. The only way to know you’re on the best current price is to re-shop.

Carriers that cut Florida rates in 2026

Carrier	Change	Effective	Policyholders	Source
State Farm	−10%	2026	—	WFLX (Mar 2026)
Progressive	−8%	2026	—	WFLX (Mar 2026)
GEICO	−8%	2026	—	WFLX (Mar 2026)
Allstate	−8%	2026	—	WFLX (Mar 2026)
USAA	−8%	2026	—	WFLX (Mar 2026)

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Figures are filed/approved statewide averages from each state’s Department of Insurance; your individual change varies by risk profile. Each row links to its source. Not a quote.

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Florida auto insurance rate changes in 2026

Carriers that cut Florida rates in 2026

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