2027

Florida Rate Drop Report Who cut home rates, and by how much

Florida home rates are going down. 12 of the 14 home insurers we track cut their rates in their latest approved filing.

See who cut the most, how far Citizens has shrunk, and what the same house costs in your county.

Get the report

By , updated

Key findings

  1. 12 of 14 home insurers we track cut their rates. Their latest approved home rate change was a cut. Only 2 went up.
  2. Citizens is down 82% from their peak. From 1,407,805 policies in Sep 2023 to 254,836 in Sep 2026.
  3. Same house, at least double the price. In all 67 counties, the highest sample rate is 2 times the lowest or more.
  4. $3,647 a year is the average home policy. Down 2.1% from a year before, across every Florida home insurer.

Who cut the most

Latest approved home rate change, by company

Pick your company to see what their rates did. If your renewal did not go down, it may be time to shop it.

Latest approved home rate change for 14 Florida home insurers. 12 cut their rates. Cut Went up 15% 10% 5% 0 5% 10% One Alliance: Down 10.4% on May 21, 2026. One Alliance Down 10.4% Vyrd: Down 10.4% on May 15, 2026. Vyrd Down 10.4% Edison Insurance: Down 10% on Jul 1, 2026. Edison Insurance Down 10% Citizens: Down 8.8% on Jul 1, 2026. Citizens Down 8.8% Florida Peninsula: Down 8.2% for their Elite program on Apr 1, 2026. The same day they also filed down 8.7% for their Preferred program. Florida Peninsula Down 8.2% Security First: Down 8% on Dec 18, 2025. Security First Down 8% PURE Insurance: Down 7.6% on Feb 15, 2026. PURE Insurance Down 7.6% Frontline: Down 6.9% on Oct 13, 2025. Frontline Down 6.9% Universal Property: Down 5.1% on Oct 16, 2025. Universal Property Down 5.1% Tower Hill: Down 5% on Dec 1, 2025. Tower Hill Down 5% Heritage: Down 3.3% on Feb 18, 2026. Heritage Down 3.3% Unique Insurance: Down 3.2% on Sep 1, 2026. Unique Insurance Down 3.2% State Farm: Up 0.8% on Jan 15, 2026. State Farm Up 0.8% American Integrity: Up 9.2% for their Choice program on Apr 7, 2026. American Integrity Up 9.2% Latest approved home rate change for 14 Florida home insurers. 12 cut their rates. Cut Went up 15% 10% 5% 0 5% 10% One Alliance: Down 10.4% on May 21, 2026. One Alliance Down 10.4% Vyrd: Down 10.4% on May 15, 2026. Vyrd Down 10.4% Edison Insurance: Down 10% on Jul 1, 2026. Edison Insurance Down 10% Citizens: Down 8.8% on Jul 1, 2026. Citizens Down 8.8% Florida Peninsula: Down 8.2% for their Elite program on Apr 1, 2026. The same day they also filed down 8.7% for their Preferred program. Florida Peninsula Down 8.2% Security First: Down 8% on Dec 18, 2025. Security First Down 8% PURE Insurance: Down 7.6% on Feb 15, 2026. PURE Insurance Down 7.6% Frontline: Down 6.9% on Oct 13, 2025. Frontline Down 6.9% Universal Property: Down 5.1% on Oct 16, 2025. Universal Property Down 5.1% Tower Hill: Down 5% on Dec 1, 2025. Tower Hill Down 5% Heritage: Down 3.3% on Feb 18, 2026. Heritage Down 3.3% Unique Insurance: Down 3.2% on Sep 1, 2026. Unique Insurance Down 3.2% State Farm: Up 0.8% on Jan 15, 2026. State Farm Up 0.8% American Integrity: Up 9.2% for their Choice program on Apr 7, 2026. American Integrity Up 9.2%

Average change in each company's latest approved home rate filing. Your own renewal can go up or down from this. Companies we track today: 14.

Show the numbers
Latest approved home rate change
CompanyChangeStarts
One AllianceDown 10.4%May 21, 2026
VyrdDown 10.4%May 15, 2026
Edison InsuranceDown 10%Jul 1, 2026
CitizensDown 8.8%Jul 1, 2026
Florida PeninsulaDown 8.2% (Elite program; also down 8.7% for Preferred the same day)Apr 1, 2026
Security FirstDown 8%Dec 18, 2025
PURE InsuranceDown 7.6%Feb 15, 2026
FrontlineDown 6.9%Oct 13, 2025
Universal PropertyDown 5.1%Oct 16, 2025
Tower HillDown 5%Dec 1, 2025
HeritageDown 3.3%Feb 18, 2026
Unique InsuranceDown 3.2%Sep 1, 2026
State FarmUp 0.8%Jan 15, 2026
American IntegrityUp 9.2%Apr 7, 2026
ChubbNo approved home rate change on file with OIR since Jan. 2025.Checked Oct 2026.
Orion180No approved home rate change on file with OIR since Jan. 2025.Checked Oct 2026.

Source: Each company’s approved rate filing or their own notice, as linked on their company page

Source for the companies with no approved change: OIR I-File Rate Filing Search, read Oct. 22, 2026.

Citizens is shrinking fast

Policies in force, month by month

254,836

policies on Sep 30, 2026

Down 82% from the peak

One dot is 10,000 policies.

Citizens policies in force from Jun 2020 to Sep 2026. The peak was 1,407,805 in Sep 2023. Use the left and right arrow keys to move by month. 0 0.5M 1M 1.5M 202020212022202320242025 Peak 1,407,805

Show the numbers
Citizens policies in force, by month
MonthPolicies
Sep 2026254,836
Aug 2026266,231
Jul 2026278,196
Jun 2026278,246
May 2026293,772
Apr 2026294,894
Mar 2026321,957
Feb 2026336,393
Jan 2026392,689
Dec 2025395,337
Nov 2025437,095
Oct 2025568,914
Sep 2025769,316
Aug 2025771,916
Jul 2025782,424
Jun 2025779,552
May 2025819,027
Apr 2025809,984
Mar 2025841,470
Feb 2025847,571
Jan 2025941,156
Dec 2024936,182
Nov 2024988,051
Oct 20241,036,913
Sep 20241,263,055
Aug 20241,250,791
Jul 20241,232,161
Jun 20241,213,495
May 20241,193,484
Apr 20241,188,800
Mar 20241,168,919
Feb 20241,169,427
Jan 20241,165,867
Dec 20231,228,718
Nov 20231,260,430
Oct 20231,334,620
Sep 20231,407,805
Aug 20231,377,425
Jul 20231,348,834
Jun 20231,317,174
May 20231,304,332
Apr 20231,272,815
Mar 20231,239,396
Feb 20231,193,725
Jan 20231,167,579
Dec 20221,145,811
Nov 20221,126,319
Oct 20221,111,283
Sep 20221,071,850
Aug 20221,026,829
Jul 2022994,456
Jun 2022931,357
May 2022883,333
Apr 2022851,006
Mar 2022817,926
Feb 2022792,616
Jan 2022776,790
Dec 2021759,305
Nov 2021741,420
Oct 2021725,942
Sep 2021708,919
Aug 2021687,079
Jul 2021661,150
Jun 2021638,263
May 2021609,805
Apr 2021589,041
Mar 2021569,868
Feb 2021552,340
Jan 2021554,537
Dec 2020542,739
Nov 2020532,788
Oct 2020521,289
Sep 2020511,055
Aug 2020499,056
Jul 2020486,773
Jun 2020474,630

Source: Citizens Property Insurance, policies in force, all lines, monthly . Read Nov 2, 2026.

More on Citizens and the biggest companies in the Florida home insurance market.

Same house, different price

Sample rates for the same house, by county

Map of Florida's 67 counties, shaded by the middle sample rate for the same house. Alachua County: $2,813 Baker County: $2,783 Bay County: $4,261 Bradford County: $2,665 Brevard County: $4,926 Broward County: $8,025 Calhoun County: $3,249 Charlotte County: $4,729 Citrus County: $3,999 Clay County: $2,404 Collier County: $6,897 Columbia County: $2,827 DeSoto County: $3,823 Dixie County: $3,153 Duval County: $3,120 Escambia County: $4,924 Flagler County: $3,565 Franklin County: $4,285 Gadsden County: $2,949 Gilchrist County: $2,938 Glades County: $4,290 Gulf County: $4,116 Hamilton County: $2,852 Hardee County: $3,601 Hendry County: $4,579 Hernando County: $5,479 Highlands County: $3,471 Hillsborough County: $5,111 Holmes County: $3,099 Indian River County: $6,636 Jackson County: $3,058 Jefferson County: $3,154 Lafayette County: $3,041 Lake County: $3,685 Lee County: $5,125 Leon County: $2,595 Levy County: $3,250 Liberty County: $3,250 Madison County: $2,846 Manatee County: $4,523 Marion County: $3,147 Martin County: $7,741 Miami-Dade County: $9,774 Monroe County: $8,745 Nassau County: $2,758 Okaloosa County: $4,851 Okeechobee County: $4,577 Orange County: $4,369 Osceola County: $4,490 Palm Beach County: $7,918 Pasco County: $6,076 Pinellas County: $4,763 Polk County: $4,221 Putnam County: $2,556 Santa Rosa County: $4,827 Sarasota County: $4,515 Seminole County: $3,544 St. Johns County: $3,312 St. Lucie County: $7,693 Sumter County: $3,214 Suwannee County: $3,020 Taylor County: $3,117 Union County: $2,691 Volusia County: $3,528 Wakulla County: $3,594 Walton County: $4,424 Washington County: $3,138
Middle sample rate a year
  • Under $3K
  • $3K
  • $4K
  • $5K
  • $6.5K
  • $8K and up

Pinellas County

$4,763

middle sample rate a year

The highest is 3 times the lowest, for the same house.

Sample rates in Pinellas County from $2,633 to $7,997, one dot per company. Allstate: $2,633 Homeowners Choice: $3,887 Monarch National: $3,912 Progressive Home (ASI): $3,949 Heritage: $3,956 Universal Property: $3,977 State Farm: $4,081 TypTap: $4,166 People's Trust: $4,386 Florida Farm Bureau: $4,763 AAA (Auto Club): $5,743 USAA: $5,820 Southern Oak Insurance: $5,821 Cypress Insurance: $5,891 Security First: $6,225 USAA: $6,938 SafePoint: $7,098 Slide: $7,503 Progressive Home (ASI): $7,997 Lowest Highest $0

Lowest $2,633 Allstate

Highest $7,997 Progressive Home (ASI)

The home: a masonry house built in 2005, $300,000 to rebuild, 2% hurricane deductible, no claims. A sample rate is not a quote. Your price depends on your roof, your wind mitigation and more. Source: Florida OIR CHOICES, example 6, read Oct 20, 2026. Companies that file their rates as trade secret are not shown.

The widest spreads: Monroe (13.3 times), Gadsden (6.9 times), Osceola (6.2 times), Jackson (6.1 times), Palm Beach (5.4 times). The average homeowners policy in Florida is $3,647 a year. See the average cost of home insurance in Florida.

Show the numbers
Sample rates for the same house, by county
CountyMiddleLowestHighestHighest over lowest
Alachua$2,813$1,911$6,9593.6 times
Baker$2,783$1,748$7,2124.1 times
Bay$4,261$2,611$11,6364.5 times
Bradford$2,665$1,952$7,1593.7 times
Brevard$4,926$2,498$9,6243.9 times
Broward$8,025$3,228$16,6455.2 times
Calhoun$3,249$2,222$7,5803.4 times
Charlotte$4,729$2,822$6,7552.4 times
Citrus$3,999$2,351$7,8073.3 times
Clay$2,404$1,801$8,0034.4 times
Collier$6,897$2,777$12,4394.5 times
Columbia$2,827$2,052$6,9253.4 times
DeSoto$3,823$2,413$6,4412.7 times
Dixie$3,153$1,783$6,9243.9 times
Duval$3,120$1,909$7,7454.1 times
Escambia$4,924$2,989$11,0703.7 times
Flagler$3,565$2,010$8,8684.4 times
Franklin$4,285$2,536$11,7784.6 times
Gadsden$2,949$1,510$10,3526.9 times
Gilchrist$2,938$2,009$8,4384.2 times
Glades$4,290$2,429$8,6533.6 times
Gulf$4,116$2,480$9,3053.8 times
Hamilton$2,852$1,580$6,9054.4 times
Hardee$3,601$2,429$6,9502.9 times
Hendry$4,579$2,429$9,8894.1 times
Hernando$5,479$2,351$12,4765.3 times
Highlands$3,471$2,429$7,1883 times
Hillsborough$5,111$3,067$8,4382.8 times
Holmes$3,099$1,849$9,7355.3 times
Indian River$6,636$3,756$16,0974.3 times
Jackson$3,058$1,631$10,0166.1 times
Jefferson$3,154$1,838$6,8123.7 times
Lafayette$3,041$1,674$8,1174.8 times
Lake$3,685$2,143$9,8664.6 times
Lee$5,125$2,923$7,9192.7 times
Leon$2,595$1,526$6,3624.2 times
Levy$3,250$2,115$7,1243.4 times
Liberty$3,250$2,081$7,4893.6 times
Madison$2,846$1,644$6,8024.1 times
Manatee$4,523$2,690$8,1323 times
Marion$3,147$2,261$8,5853.8 times
Martin$7,741$3,756$17,4384.6 times
Miami-Dade$9,774$4,344$16,9273.9 times
Monroe$8,745$2,860$37,94713.3 times
Nassau$2,758$1,919$6,8693.6 times
Okaloosa$4,851$2,694$13,3915 times
Okeechobee$4,577$3,198$8,7202.7 times
Orange$4,369$2,500$12,2174.9 times
Osceola$4,490$2,572$15,9436.2 times
Palm Beach$7,918$3,737$20,3275.4 times
Pasco$6,076$2,600$8,2503.2 times
Pinellas$4,763$2,633$7,9973 times
Polk$4,221$3,144$7,7432.5 times
Putnam$2,556$1,663$7,7144.6 times
Santa Rosa$4,827$2,924$11,8644.1 times
Sarasota$4,515$2,690$8,6453.2 times
Seminole$3,544$2,767$11,0014 times
St. Johns$3,312$1,811$8,1244.5 times
St. Lucie$7,693$3,756$19,2755.1 times
Sumter$3,214$2,100$9,2544.4 times
Suwannee$3,020$1,814$6,7913.7 times
Taylor$3,117$1,872$6,6083.5 times
Union$2,691$2,201$7,0793.2 times
Volusia$3,528$2,010$8,4644.2 times
Wakulla$3,594$2,215$7,0123.2 times
Walton$4,424$2,694$10,5473.9 times
Washington$3,138$2,096$8,0393.8 times

Source: Florida OIR CHOICES, example 6 . Read Oct 20, 2026.

Rates went down. Did yours?

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

Sources

The report as a PDF

More Florida insurance guides