The Auto Club Group, the company behind AAA-branded insurance in Florida, announced on June 15 that it is cutting auto and home insurance rates by up to 5%, returning more than $28 million a year to roughly 219,000 Florida policyholders. New auto policies reflect the lower prices from June 1, and current customers see the reduction at renewal starting August 1.
AAA (The Auto Club Group) is lowering Florida auto rates by an average of 4% to 5% and home rates by 5%, worth more than $28 million in yearly savings across about 219,000 policies. Drivers carrying full coverage see the deepest cuts on collision and comprehensive. The reductions hit new auto policies June 1, 2026 and reach renewals from August 1.
"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," said Jennifer Pintacuda, President of AAA's Florida-based insurance companies.
What AAA Is Cutting, and When
The reductions run through AAA's two Florida underwriting companies. Auto Club South Insurance Company (ACSIC) is dropping monoline auto premiums by an average of 5%, while Auto Club Insurance Company of Florida (ACICF) trims package auto policies by an average of 4%. Those two filings together hand back more than $16 million a year to over 133,000 drivers, according to the company's June 15 statement.
On the home side, AAA reworked its Select Package Home program earlier in 2026 for an average 5% reduction, saving 86,000 homeowners more than $12 million annually. Those home rates already took hold, priced lower for new business from March 1 and for renewals from May 1. The auto timeline lags a few months behind, at June 1 for new policies and August 1 for renewals.
What It Means for Your Wallet
Spread across about 219,000 policies, the $28 million works out to roughly $128 per policyholder each year. The figure climbs for full-coverage drivers, because AAA cut physical damage coverages (collision and comprehensive) more deeply than liability. Florida full-coverage premiums average about $235 a month, close to $2,820 a year per Insurify's 2026 data, so a 5% reduction shaves roughly $141 off an annual bill. Drivers in Florida's costliest metros, including Miami and Tampa, carry premiums well above that average, so AAA's 5% cut returns them the most in absolute dollars.
Auto savings alone land near $120 per driver, the result of $16 million divided across 133,000 policies. Homeowners come out slightly ahead at about $140 each, drawn from $12 million spread over 86,000 policies. Bundling both lines stacks the two discounts, the exact combination AAA is urging members to consider.
How AAA's Cut Stacks Up Against Other Florida Insurers
AAA's 4% to 5% reduction is genuine money, yet it trails the cuts several larger carriers filed for 2026. State Farm leads with an average 10.1% decrease, its third reduction since 2024 and worth around $1 billion statewide. The state's five biggest auto groups, which control roughly 78% of the Florida market, signal an average drop near 8%, according to Insurance Commissioner Mike Yaworsky.
| Carrier (Florida) | 2026 Auto Rate Change | Effective / Status | Scope or Savings |
|---|---|---|---|
| State Farm | -10.1% | Approved (3rd cut since 2024) | 20%+ total; ~$1B statewide |
| Florida Farm Bureau | -8.7% | 2026 filing | Statewide |
| Progressive | -8% | 2026 filing | Statewide |
| USAA | -7% | By May 2026 | $125M+ to FL members |
| GEICO | Reduction | Begins April 2026 | 700,000+ FL customers |
| AAA (Auto Club Group) | -5% / -4% | New June 1, renewals Aug 1 | $16M to 133,000+ drivers |
| Allstate | -4% | 2026 filing | Statewide |
Sources: Florida Office of Insurance Regulation filings and individual carrier announcements, January through June 2026. Average rate changes reflect statewide filings and do not predict any single driver's premium, which shifts with ZIP code, vehicle, driving record, and coverage choices. AAA figures come from The Auto Club Group's June 15, 2026 announcement.
AAA's 5% reduction helps, but State Farm (-10.1%), Florida Farm Bureau (-8.7%), and Progressive (-8%) all filed deeper cuts for 2026. AAA members renewing in August should pull at least three competing quotes before accepting the new rate, since a bigger carrier discount could outrun the 5% savings.
Why Florida Insurance Rates Are Falling
Florida's rate relief traces back to two laws that reshaped how insurance claims get litigated. Senate Bill 2-A, passed in December 2022, eliminated one-way attorney fees and banned the assignment of benefits that fueled claims lawsuits. House Bill 837, signed in March 2023, tightened bad-faith standards and shifted the state to a modified comparative negligence rule.
Those changes show up directly in the numbers: an analysis by the Perryman Group, released February 12, 2026, found Florida insurance costs now run 14.5% lower than they would without the reforms, alongside $4.2 billion in added business activity. More than 40 companies have filed Florida auto rate decreases since the start of 2025, with 32 of them landing in the past six months, according to state regulators.
What Florida Drivers Should Do Now
Check Your Renewal Date
AAA auto renewals reflect the cut from August 1, so log into your account or call your agent to confirm your current premium and exact renewal date.
Compare at Least Three Quotes
With State Farm at -10.1% and the top five carriers near -8%, gathering quotes from three or more insurers can surface a deeper discount than AAA's 5%.
Ask About Bundling and Discounts
Bundling home and auto stacks AAA's two reductions; request every discount you qualify for, from usage-based programs to safe-driver credits.
Looking Ahead
AAA filed a fourth round of auto reductions late last year, so further Florida cuts could follow in 2026 if claims costs keep sliding. Regulators report personal residential premiums rose less than 1% statewide in 2025, a slowdown that gives carriers room to keep filing decreases. Florida still ranks among the priciest states for car insurance, near $235 a month for full coverage, so today's 5% cut narrows that gap without erasing it.
Frequently Asked Questions
AAA's reductions average about $128 per policy a year, roughly $120 for auto drivers and $140 for homeowners. Full-coverage drivers save more because AAA cut collision and comprehensive coverage more deeply, trimming about $141 off a $2,820 annual full-coverage premium.
New AAA auto policies reflect the cut from June 1, 2026, and renewals adjust starting August 1. Home rates already changed, priced lower for new business from March 1 and for renewals from May 1.
No action is required, because AAA applies the reduction automatically at your next renewal. Compare at least three quotes first, since State Farm filed a 10.1% cut and the top five carriers average near 8%.
Two laws, Senate Bill 2-A in 2022 and House Bill 837 in 2023, cut litigation and fraud out of the claims system. The Perryman Group estimated in February 2026 that costs now run 14.5% below where they would sit without those reforms.
No. State Farm leads at 10.1%, followed by Florida Farm Bureau at 8.7% and Progressive at 8%, while AAA's auto cut averages 4% to 5%. AAA members should weigh those larger discounts before renewing.
- The Auto Club Group (AAA) Newsroom - AAA Lowers Home and Auto Insurance Rates in Florida
- News4JAX (WJXT) - AAA Lowers Home, Auto Insurance Rates in Florida
- WFLA - AAA Lowers Home, Auto Insurance, Saving Florida Policyholders $28M
- Florida Office of Insurance Regulation - Top 5 Auto Insurance Groups Rate Decreases (March 5, 2026)
- Florida Office of Insurance Regulation - More Auto Rate Cuts Approved, Including USAA (Jan. 28, 2026)
- Insurance Journal - Florida Insurance Costs 14.5% Lower Than Without Reforms (Perryman Group)
- Insurify - Average Car Insurance Cost in Florida (2026)