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Florida's five largest insurersSource: FLOIR, March 2026
Florida rates are falling. Your bill won't follow on its own.
Insurers apply decreases to their own customers at renewal — but the bigger savings come from switching to whichever company now prices your profile lowest. That's what comparing catches.
Florida rates and requirementsPopular topics
Frequently asked questions
Is ShowMyRates really free?+
Yes. Comparing quotes is 100% free for you. We're paid by the insurance companies and agencies we work with when we connect them with shoppers — that's how we keep the service free. See our How We Make Money page for details.
Will I get spam calls?+
You control what happens. Browsing rate information on our site requires nothing from you. If you choose to request quotes, you consent to being contacted by the specific partners matched to your request — that contact is how you get your actual quotes.
Why did Florida car insurance rates change for 2026?+
Florida's insurance regulator reported that the state's five largest auto insurance groups filed an average rate decrease of about 8% for 2026, after decreases in 2025. Individual results vary — which is exactly why re-shopping your policy now can pay off.
Is ShowMyRates an insurance company?+
No. We are an independent comparison and marketing service. We don't sell or underwrite insurance and we don't give insurance advice — we help you see options from companies that do.