10/10 for mass sharing propaganda, but Floridians deserve the full picture.
Insurance companies spent years arguing they needed tort reform to stabilize Florida’s insurance market. In response, lawmakers passed some of the most sweeping insurance reforms in state history in 2022 and 2023, providing insurers with many of the protections they requested.
At the same time, investigations revealed that some insurers were transferring substantial amounts of money to affiliated companies through management fees, commissions, and other arrangements, raising serious questions about how insurers were reporting financial losses while related entities remained profitable.
Meanwhile, Florida drivers saw rates increase dramatically. According to state data, average auto insurance rates increased approximately 31.7% in 2023 and another 4.3% in 2024.
Now we’re celebrating average rate reductions of about 6.5% in 2025 and rebates from insurers.
Any relief is welcome. But let’s be honest about the math: a 6.5% reduction does not erase rate increases of more than 36% over the prior two years.
Floridians paid the higher premiums. They deserve transparency, accountability, and meaningful long-term savings, not just headlines.
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