From AAA
Summary
AAA is reducing home and auto insurance rates again in Florida, with decreases of up to 5% that will save policyholders more than $28 million annually. The company says improving market conditions and legal reforms have helped stabilize insurance costs, allowing savings to be passed on to customers.
AAA is lowering insurance rates again in Florida. The Auto Club Group announced rate reductions of up to 5% for AAA-branded home and auto insurance policies. This delivers more than $28 million in annual savings for policyholders in the state.
“People know AAA for roadside assistance, but we also provide insurance that protects our members every day,” said Jennifer Pintacuda, President of AAA’s Florida-based insurance companies. “We’ve lowered our rates multiple times over the past year, and this latest decrease reflects our commitment to offering competitive, affordable insurance coverage for Floridians.”
Auto insurance rate reductions
AAA implemented an average 5% decrease for monoline auto policies through Auto Club South Insurance Company (ACSIC) and an average 4% decrease for package auto policies through Auto Club Insurance Company of Florida (ACICF).
These changes deliver more than $16 million in annual savings to over 133,000 policyholders statewide.
Policyholders began seeing the latest rate changes reflected in new policies June 1. Renewal policies will reflect the changes beginning August 1. Drivers with full coverage may see greater savings due to deeper reductions in physical damage coverages.
Homeowner insurance rate reductions
Earlier this year, AAA adjusted rates on its Select Package Home program, resulting in an average 5% reduction. These changes translate to more than $12 million in annual savings across 86,000 policies in Florida.
The updated rates took effect:
- March 1, 2026 for new business
- May 1, 2026 for renewal policies
Growing trend of lower rates
The latest decreases build on a broader trend of rate reductions as Florida’s insurance market stabilizes.
In 2025, AAA implemented three auto rate reductions and one home rate reduction. These actions:
- Reduced auto premiums by more than 15% and home premiums by 5% for many policyholders
- Delivered more than $70 million in annual savings to Florida customers
Why insurance rates are decreasing in Florida
AAA says improving conditions in Florida’s insurance market have made these reductions possible.
Recent legal reforms have helped stabilize the claims environment by:
- Reducing litigation
- Curbing fraud
- Improving predictability in claims costs
As a result, insurers can better manage risk and pass savings along to policyholders.
Other ways to save on insurance
While rates are declining, AAA says there are still steps drivers and homeowners can take to manage their insurance costs.
Insurance premiums vary based on factors such as driving history, location, coverage selections, property characteristics, and claims trends across the state.
AAA recommends the following ways to help reduce premiums:
- Maintain a safe driving record
- Consider usage-based programs
- Take advantage of available discounts
- Reduce risk at home with maintenance and improvements
- Bundle home and auto policies
Review coverage to optimize savings
AAA encourages Florida residents to review their policies regularly to ensure they have adequate protection and are taking advantage of available discounts.
Drivers and homeowners can explore potential savings opportunities by speaking with a licensed insurance agent or visiting AAA.com/Insurance.
Key Points
- AAA is lowering Florida home and auto insurance rates by up to 5%.
- The reductions will save policyholders more than $28 million annually.
- Auto rate changes began June 1 for new policies and Aug. 1 for renewals.
- AAA credits market stabilization and legal reforms for the lower rates.
- The company encourages customers to review policies for additional savings opportunities.
About AAA-Branded Insurance in Florida
AAA-branded insurance in Florida is provided through two state-based companies: Auto Club South Insurance Company (ACSIC) and Auto Club Insurance Company of Florida (ACICF). Together, these companies, owned by The Auto Club Group, offer auto and home coverage to AAA members across the state.
About AAA – The Auto Club Group
The Auto Club Group (ACG), named a 2026 Forbes Most Trusted Company in America, is the second-largest AAA club in North America, with more than 13 million members across 14 U.S. states and two U.S. territories. ACG and its affiliates provide members with roadside assistance, insurance products, financial services, travel offerings and more. ACG is part of the national AAA federation, which serves more than 66 million members across the United States and Canada. AAA’s mission is to protect and advance freedom of mobility and improve traffic safety. For more information, download the AAA Mobile app, visit AAA.com, and follow us on social media.
