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Is your car insurance company raising rates in Florida in 2026?
Most major Florida auto insurers are lowering rates in 2026.
- ↓ Biggest decrease: Allstate/Esurance Ins. Co., -11%
- ↑ Only increase: Allstate/Esurance P&C, +6%
- Data updated: May 18, 2026. Learn about this data
Company | Rate change | Date | Subsidiary & policy details |
|---|---|---|---|
| Allstate | ↓ 11% | Aug. 2026 | Esurance • Regular |
| State Farm | ↓ 10% | Mar. 2026 | SF Mutual • Regular |
| Kemper | ↓ 9% | Mar. 2026 | Infinity • Low-cost |
| State Farm | ↓ 9% | Mar. 2026 | SF Fire & Cas. • Regular |
| State Farm | ↓ 9% | Feb. 2026 | MGA Ins. • Regular |
| Sentry | ↓ 9% | Jan. 2026 | Dairyland • 6-month 2.0 |
| Allstate | ↓ 8% | Feb. 2026 | Direct General • RAD7 |
| Geico | ↓ 6% | Apr. 2026 | Geico Indem. • Voluntary |
| Travelers | ↓ 1% | May 2026 | Travelers Standard Fire Co. • Quantum 2.0 |
| Geico | ↓ 1% | Apr. 2026 | Geico General Co. • Voluntary |
| Auto-Owners | ↓ 1% | Apr. 2026 | Southern-Owners • Preferred |
| Auto-Owners | ↓ 1% | Mar. 2026 | Auto-Owners Ins. Co. • Preferred |
| Allstate | — 0% | Mar. 2026 | Allstate Fire & Cas. • Voluntary |
| State Farm | — 0% | Mar. 2026 | SF Fire & Cas. • Regular |
| State Farm | — 0% | Mar. 2026 | SF Mutual Auto. • Regular |
| Allstate | ↑ 6% | Aug. 2026 | Esurance P&C. • Regular |
Is your car insurance company raising rates in New York in 2026?
Many major New York auto insurance companies haven't raised rates yet in 2026.
- ↑ Biggest increase: NYCM at +4%
- ↑ 2nd biggest increase: Liberty Mutual at +3%
- ↑ 3rd biggest increase: Travelers at +3%
Data updated: May 19, 2026. Learn about this data.
Company | 2026 rate change | Effective date | 5 yr rate change |
|---|---|---|---|
| NYCM | ↑ 4% | Aug. 2026 | ↑ 55% |
| Liberty Mutual | ↑ 3% | Apr. 2026 | ↑ 76% |
| Travelers | ↑ 3% | Feb. 2026 | ↑ 51% |
| Progressive | ↑ 1% | Apr. 2026 | ↑ 38% |
| State Farm | — 0% | ↑ 85% | |
| Allstate | — 0% | ↑ 62% | |
| Erie | — 0% | ↑ 50% | |
| Farmers | — 0% | ↑ 46% | |
| USAA | — 0% | ↑ 35% | |
| Geico | — 0% | ↑ 34% |
Notes
- Let's keep the subsidiaries (rather than moving to a summary) because the granularity might help show authority.
- Still need to clean up any quick abbreviations in the Subsidiary column, and add tooltips to any of the policy details section that needs explanation.
- Can revisit summary section formatting. Any way to keep it plain but looking good?
- Table format was developed with ChatGPT. It says this type of plain-text formatting is ideal for LLMs and organic. It said adding a search is a waste of space, and adding a sort isn't worth the tradeoff with horizontal scroll.
Initial notes to add to the methodology
- Date pulled
- Based on state rate filings in S&P through date
- Private Passenger Auto polices
- Top 10 companies in Florida totaling XX% market share
- Rate changes are for policy renewals
- Date is when the rate change becomes effective
- New policies often have a similar rate change, but the effective date may differ
- The subsidiary and policy details info has been shortened for readability
- What else?
Rough draft of methodology structure (not content)
ValuePenguin analyzed publicly available rate filing data from the Florida Office of Insurance Regulation (FLOIR) to identify recent approved changes to private passenger auto insurance rates in Florida.
The table includes rate filings submitted by major insurance companies and their subsidiaries with an effective date in 2026. Each filing may apply only to certain policyholders, coverage types or underwriting groups.
What the table includes
For each filing, we show:
- Parent insurance company
- Approved Rate Change
- Effective date
- Subsidiary or underwriting company
- Relevant policy or program details when available
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
Data limitations
Insurance companies may submit multiple filings throughout the year, and not all filings apply to all drivers. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of May 18, 2026.
About the Author
Analyst
Stephanie Guinan is an Analyst for ValuePenguin/LendingTree. She specializes in simplifying complex insurance topics for consumers.
She’s also worked as an award-winning data journalist and content marketing writer. Stephanie’s work has been cited by Wall Street Journal, New York Times, Rolling Stone and more.
Expertise
- Health insurance and Medicare
- Home and auto insurance
- Crunching numbers
Referenced by
- Wall Street Journal
- New York Times
- Rolling Stone
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
