Florida does have a state insurance regulatory body so the state is involved with auto insurance. However your insurance company files their rates with this insurance regulator so it would appear that they requested and have been approved by the state of Florida to raise premiums by a certain percentage. Most likely, your company's rates in Florida increased.

Most insurance rates and forms in Florida are regulated by the Office of Insurance Regulation. Although it is administratively housed within the Department of Financial Services (DFS), OIR is a separate entity that reports to the Florida Cabinet. Because DFS handles consumer-related insurance matters, as a consumer the DFS is your point of contact for all insurance problems and questions.

Premiums vary widely from insurance company to insurance company within Florida. You can check out premium amounts in the Auto Rate Fact Sheet, published annually by the Department of Financial Services.

The best way to save money on your car insurance is to shop around. If your insurance provider has increased their rates in statewide in Florida then you can comparison shop to find lower rates. You can start by getting a low cost car insurance quote here with us.