AAA lowers home, auto insurance rates in Florida

Published: June 16, 2026 at 11:27 AM

AAA is cutting insurance rates in Florida. The Auto Club Group announced reductions of up to 5% on AAA-branded home and auto insurance policies. The association says that equates to more than $28 million in annual savings to Florida policyholders.

“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.

Auto insurance rate cuts

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). AAA says together, those reductions deliver more than $16 million in annual savings to more than 133,000 policyholders statewide.

AAA says policyholders began seeing the changes reflected in new policies June 1. Renewal policies will reflect the changes beginning Aug. 1. Drivers with full coverage may see greater savings due to deeper reductions in physical damage coverages.

Homeowner insurance rate cuts

Earlier this year, AAA adjusted rates on its Select Package Home program, resulting in an average 5% reduction. AAA says the changes translate to more than $12 million in annual savings across 86,000 Florida policies.

Updated rates took effect March 1, 2026, for new business and May 1, 2026, for renewal policies.

Other ways to save on insurance

While rates are declining, AAA says drivers and homeowners can take additional steps to manage their insurance costs. Premiums vary based on factors such as driving history, location, coverage selections, property characteristics and statewide claims trends.

AAA recommends the following to help reduce premiums: