Geico files auto rate at $211/mo in Florida, effective 2026-01-01 (2026)
Geico filed a new Florida auto rate baseline at $211/mo, effective 2026-01-01. The filing makes Geico one of the cheapest among the 1 carriers tracked here.
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What’s driving this
Florida’s insurance market is restructuring after the 2022 legislative reforms (SB 2A) eliminated assignment-of-benefits abuse and capped attorney-fee multipliers. Carriers that had exited or were on the brink of insolvency are starting to write new business again, but home rates remain among the highest in the country.
All recent Florida auto carrier filings
| Carrier | Filed Rate | Effective | Source |
|---|---|---|---|
| Geico | $211/mo | 2026-01-01 | State DOI |
Other recent filings + market moves
- State Farm filed a 14.2% FL home rate increase effective December 2025 (SFG-FL-2025-HOME-03).
- Citizens depopulation program transferred ~430K policies to private carriers through Q4 2024.
Methodology: /methodology/rate-authority/
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