Auto Insurance Rates Down 7% For 2025, Desantis Says

TAMPA, Fla. (WFLA) — You could be saving an average about $120 a month on your auto insurance payments, according to a new report from the Florida Department of Insurance Regulation.

As of July 29, the top five insurance writers in the state (Progressive, GEICO, AllState, State Farm, and USAA) have lowered rates on average about 6.5%.

"Even though auto insurance rates are spiking nationwide, the reason you are seeing the opposite in Florida is because we did the litigation reform," said Governor Ron DeSantis during a stop in Tampa Wednesday.

The governor's reform focused on cutting back on frivolous and expensive lawsuits between providers and citizens, which he claims drastically increased prices. In 2023, rates rose dramatically — 31.7%, according to the state.

In 2024, there was an additional small increase.

"People were paying a lot of money to these lawyers, and I don't think that's what most Floridians want," DeSantis said. "It takes some time for that (relief) to filter in, and now I think you are seeing the benefits of that."

In addition to rate decreases, experts with the Better Business Bureau (BBB) told News Channel 8 they recommend shopping around different insurance providers every six months to look for the best rate.

They also implore users to look into Usage-Based-Insurance programs, such as Progressive's "Snapshot," which can drop rates by as much as 10% based on factors such as speed and driving tactics.

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