Commercial auto rate filings in Florida (2026)

Every carrier writing commercial auto coverage in Florida files its rates and rating rules with the state's insurance regulator — the primary-source records behind every commercial auto quote in Florida. This page tracks the 1170 active commercial auto filing(s) on record for Florida, filed by 64 distinct carrier(s).

Commercial auto rate filings in Florida are reviewed by the Florida Office of Insurance Regulation. The governing authority is Florida Statutes Chapter 626 (Insurance Field Representatives and Operations). You can confirm any Florida carrier or agent is licensed with the state's license-lookup tool. A commercial auto premium in Florida is built from each carrier's filed base rates and rating rules applied to your business's exposure — the classification of your operation and the rating basis for this line. Because every carrier files its own rates and loadings, two Florida businesses with the same profile can be quoted very different commercial auto premiums, which is exactly why comparing multiple carriers is the only reliable way to see where you land.

Carriers with commercial auto filings on record in Florida include HARTFORD ACCIDENT AND INDEMNITY COMPANY, AMERICAN ASSOCIATION OF INSURANCE SERVICES, AMERICAN FIRE AND CASUALTY COMPANY, GENERAL INSURANCE COMPANY OF AMERICA, GEICO GENERAL INSURANCE COMPANY, NORTHLAND INSURANCE COMPANY, AMERICAN GUARANTEE AND LIABILITY INSURANCE COMPANY, BERKLEY CASUALTY COMPANY, CONTINENTAL INDEMNITY COMPANY, FEDERATED MUTUAL INSURANCE COMPANY, NATIONAL INTERSTATE INSURANCE COMPANY, THE CHARTER OAK FIRE INSURANCE COMPANY, and 52 more. These are filings on record — Florida's public system reports the carrier, line, and effective date but not the rate-change magnitude for every row. The most-recent commercial auto filing we track for Florida is effective December 2026. Every row below cites its filing reference so the Florida regulator record can be verified.

HARTFORD ACCIDENT AND INDEMNITY COMPANY filed FCC 26-036982 effective December 2026 (active). HARTFORD ACCIDENT AND INDEMNITY COMPANY filed FCC 26-036984 effective December 2026 (active). HARTFORD ACCIDENT AND INDEMNITY COMPANY filed FCC 26-036986 effective December 2026 (active). HARTFORD ACCIDENT AND INDEMNITY COMPANY filed FCC 26-036985 effective December 2026 (active). HARTFORD ACCIDENT AND INDEMNITY COMPANY filed FCC 26-036983 effective December 2026 (active). AMERICAN ASSOCIATION OF INSURANCE SERVICES filed FCC 26-038703 effective December 2026 (active). AMERICAN ASSOCIATION OF INSURANCE SERVICES filed FCC 26-038705 effective December 2026 (active). AMERICAN ASSOCIATION OF INSURANCE SERVICES filed FCC 26-038708 effective December 2026 (active). AMERICAN ASSOCIATION OF INSURANCE SERVICES filed FCC 26-038706 effective December 2026 (active). AMERICAN ASSOCIATION OF INSURANCE SERVICES filed FCC 26-038704 effective December 2026 (active). AMERICAN FIRE AND CASUALTY COMPANY filed FCC 26-033322 effective December 2026 (active). AMERICAN FIRE AND CASUALTY COMPANY filed FCC 26-033326 effective December 2026 (active). AMERICAN FIRE AND CASUALTY COMPANY filed FCC 26-033325 effective December 2026 (active). AMERICAN FIRE AND CASUALTY COMPANY filed FCC 26-033324 effective December 2026 (active). AMERICAN FIRE AND CASUALTY COMPANY filed FCC 26-033327 effective December 2026 (active). GENERAL INSURANCE COMPANY OF AMERICA filed FCC 26-038048 effective December 2026 (active). GENERAL INSURANCE COMPANY OF AMERICA filed FCC 26-038051 effective December 2026 (active). GENERAL INSURANCE COMPANY OF AMERICA filed FCC 26-038050 effective December 2026 (active). GENERAL INSURANCE COMPANY OF AMERICA filed FCC 26-038049 effective December 2026 (active). GENERAL INSURANCE COMPANY OF AMERICA filed FCC 26-038047 effective December 2026 (active). GEICO GENERAL INSURANCE COMPANY filed FCC 26-041077 effective November 2026 (active). NORTHLAND INSURANCE COMPANY filed FCC 26-037615 effective November 2026 (active). AMERICAN GUARANTEE AND LIABILITY INSURANCE COMPANY filed FCC 26-040458 effective November 2026 (active). AMERICAN GUARANTEE AND LIABILITY INSURANCE COMPANY filed FCC 26-040467 effective November 2026 (active). AMERICAN GUARANTEE AND LIABILITY INSURANCE COMPANY filed FCC 26-040466 effective November 2026 (active). AMERICAN GUARANTEE AND LIABILITY INSURANCE COMPANY filed FCC 26-040463 effective November 2026 (active). AMERICAN GUARANTEE AND LIABILITY INSURANCE COMPANY filed FCC 26-040461 effective November 2026 (active). AMERICAN GUARANTEE AND LIABILITY INSURANCE COMPANY filed FCC 26-040459 effective November 2026 (active). BERKLEY CASUALTY COMPANY filed FCC 26-040912 effective November 2026 (active). BERKLEY CASUALTY COMPANY filed FCC 26-040915 effective November 2026 (active).

Commercial auto covers the vehicles a Florida business owns, leases, or operates — liability for injuries and damage the vehicle causes, plus optional physical-damage coverage. It is rated on vehicle count, use, radius, and driver records.

Across Florida, commercial auto carriers earned about $4.7B in premiums at a 86.8% loss ratio and a -24.8% underwriting profit (NAIC 2023). That market-level result comes from the NAIC Report on Profitability by Line by State — a primary-source view of how commercial auto actually performs in Florida, beyond any single carrier's filing.

Figures summarized here are drawn from public Florida Department of Insurance rate filings and, where shown, the NAIC Report on Profitability by Line by State — each traceable to its source. No proprietary rating-manual content is reproduced. See our full sourcing policy.