SWFL.io - Local NewsReporter: Sommer Senne
•7/7/2026
FORT MYERS, Fla. (WINK) — AAA is lowering home and car insurance rates for more than 100,000 policyholders.
The Auto Club Group announced rate reductions of up to 5% for AAA-branded home and auto insurance policies. This delivers more than $28 million in annual savings for policyholders in the state.
"People know AAA for roadside assistance, but we also provide insurance that protects our members every day," said Jennifer Pintacuda, president of AAA's Florida-based insurance companies. "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."
AAA implemented an average 5% decrease for monoline auto policies through Auto Club South Insurance Company and an average 4% decrease for package auto policies through Auto Club Insurance Company of Florida. These changes deliver more than $16 million in annual savings to over 133,000 policyholders statewide.
Policyholders began seeing the latest rate changes reflected in new policies June 1. Renewal policies will reflect the changes beginning Aug. 1.
Earlier this year, AAA adjusted rates on its Select Package Home program, resulting in an average 5% reduction. These changes translate to more than $12 million in annual savings across 86,000 policies in Florida.
The updated rates took effect March 1 for new business and May 1 for renewal policies. Drivers with full coverage may see greater savings due to deeper reductions in physical damage coverages.
WINK News reporter Sommer Senne spoke with insurance agent Amanda Boge, co-founder of My Florida Insurance, who said she's seeing several insurance agencies lowering their rates right now.
"It definitely has to do with the reinsurance costs that are stabilizing," Boge said. "That's the insurance for the insurance companies. There's also the legislative reform, so there's not as many frivolous lawsuits, which really helps," she said.
The latest decreases build on a broader trend of rate reductions as Florida's insurance market stabilizes. Senne asked Boge if these lower rates will stick around.
"As long as, you know, knock on wood, we don't have any major catastrophes or storms in the next year or two, I think the reform that they've done with the legislation has really helped, and I expect there to be continued stabilization," Boge said.
For homeowners looking to lower their insurance costs, Boge advises moving away from the coast or having a newer home. If homeowners make any updates to their home, like a new roof or hurricane shutters, that can also help.
Some insurance carriers have discounts for HVAC maintenance or water mitigation systems. Boge also said that by taking a higher deductible, homeowners can have significant savings.
The rate decreases aren't consistent for everyone. Tammy Forkey told Senne at Three Oaks Park that her insurance company increased her home insurance costs by several hundred dollars.
"It's gone up $600 from last year to this year," Forkey said. "It's a little alarming because we thought maybe it would at least stabilize or go down some, but since they're so limited amount of policy issuers were kind of stuck."
As far as car insurance, Boge said how often people are driving, their car's safety features and their driving history can impact car insurance prices. Clare Westphal told Senne at Three Oaks Park that she's frustrated with her car insurance.
Westphal said she's changed insurance providers a few times because her quoted price isn't what she ends up paying.
"I have Geico, and it's been a little frustrating because they did quote me for a way lower price, like over $100 less than what I'm paying right now, and now I have a consistent bill of 250 a month," Westphal said. "I don't like the cost fluctuating because someone sneezes somewhere."
Regardless of insurance provider, it's important to speak with an insurance agent to review policies and see if there are any new discounts available.