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Florida's biggest insurers filed average rate decreases for 2026 — but nobody lowers your bill automatically. Compare quotes from multiple companies in about 2 minutes.
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Florida drivers: 2026 is the year to re-shop
Florida has some of the highest car insurance premiums in the country — yet the state's insurance regulator (FLOIR) announced that Florida's five largest auto insurance groups, covering roughly three-quarters of the market, indicated an average rate decrease of about 8% for 2026, following decreases filed in 2025. Insurers apply those changes to their own customers on renewal — but the bigger savings usually come from switching to whichever company now prices your profile lowest. That changes company to company, which is what comparison shopping catches.
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Show My Rates →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.
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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.