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 999 active commercial auto filing(s) on record for Florida, filed by 35 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 AMERICAN FAMILY HOME INSURANCE COMPANY, THE TRAVELERS INDEMNITY COMPANY, HARTFORD CASUALTY INSURANCE COMPANY, HARTFORD ACCIDENT AND INDEMNITY COMPANY, ACCREDITED SURETY AND CASUALTY COMPANY, INC., NATIONAL FIRE INSURANCE COMPANY OF HARTFORD, FEDERAL INSURANCE COMPANY, GEICO GENERAL INSURANCE COMPANY, ARCH INSURANCE COMPANY, NATIONWIDE AGRIBUSINESS INSURANCE COMPANY, NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA, CLEAR BLUE INSURANCE COMPANY, and 23 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 July 2026. Every row below cites its filing reference so the Florida regulator record can be verified.
Recent rate-filing activity — 8 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting commercial operations, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| Comm Auto | FL | filing on record (magnitude not publicly disclosed) | Jul 14, 2026 | Filing #26-033908 |
| Comm Auto | FL | filing on record (magnitude not publicly disclosed) | Jul 14, 2026 | Filing #26-033912 |
| Comm Auto | FL | filing on record (magnitude not publicly disclosed) | Jul 14, 2026 | Filing #26-033911 |
| Comm Auto | FL | filing on record (magnitude not publicly disclosed) | Jul 14, 2026 | Filing #26-033909 |
| Comm Auto | FL | filing on record (magnitude not publicly disclosed) | Jul 14, 2026 | Filing #26-033905 |
| Comm Auto | FL | filing on record (magnitude not publicly disclosed) | Jul 14, 2026 | Filing #26-033906 |
| Comm Auto | FL | filing on record (magnitude not publicly disclosed) | Jul 8, 2026 | Filing #26-033276 |
| Comm Auto | FL | filing on record (magnitude not publicly disclosed) | Jul 8, 2026 | Filing #26-033269 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
AMERICAN FAMILY HOME INSURANCE COMPANY filed 26-033908 effective July 2026 (active). AMERICAN FAMILY HOME INSURANCE COMPANY filed 26-033912 effective July 2026 (active). AMERICAN FAMILY HOME INSURANCE COMPANY filed 26-033911 effective July 2026 (active). AMERICAN FAMILY HOME INSURANCE COMPANY filed 26-033909 effective July 2026 (active). AMERICAN FAMILY HOME INSURANCE COMPANY filed 26-033905 effective July 2026 (active). AMERICAN FAMILY HOME INSURANCE COMPANY filed 26-033906 effective July 2026 (active). THE TRAVELERS INDEMNITY COMPANY filed 26-033276 effective July 2026 (active). THE TRAVELERS INDEMNITY COMPANY filed 26-033269 effective July 2026 (active). THE TRAVELERS INDEMNITY COMPANY filed 26-033275 effective July 2026 (active). THE TRAVELERS INDEMNITY COMPANY filed 26-033271 effective July 2026 (active). THE TRAVELERS INDEMNITY COMPANY filed 26-033267 effective July 2026 (active). HARTFORD CASUALTY INSURANCE COMPANY filed 26-032090 effective June 2026 (active). HARTFORD CASUALTY INSURANCE COMPANY filed 26-032087 effective June 2026 (active). HARTFORD CASUALTY INSURANCE COMPANY filed 26-032088 effective June 2026 (active). HARTFORD CASUALTY INSURANCE COMPANY filed 26-032091 effective June 2026 (active). HARTFORD CASUALTY INSURANCE COMPANY filed 26-032089 effective June 2026 (active). HARTFORD ACCIDENT AND INDEMNITY COMPANY filed 26-031488 effective June 2026 (active). HARTFORD ACCIDENT AND INDEMNITY COMPANY filed 26-031493 effective June 2026 (active). HARTFORD ACCIDENT AND INDEMNITY COMPANY filed 26-031484 effective June 2026 (active). HARTFORD ACCIDENT AND INDEMNITY COMPANY filed 26-031487 effective June 2026 (active). HARTFORD ACCIDENT AND INDEMNITY COMPANY filed 26-031485 effective June 2026 (active). ACCREDITED SURETY AND CASUALTY COMPANY, INC. filed 26-031394 effective June 2026 (active). NATIONAL FIRE INSURANCE COMPANY OF HARTFORD filed 26-030763 effective June 2026 (active). NATIONAL FIRE INSURANCE COMPANY OF HARTFORD filed 26-030758 effective June 2026 (active). NATIONAL FIRE INSURANCE COMPANY OF HARTFORD filed 26-030759 effective June 2026 (active). NATIONAL FIRE INSURANCE COMPANY OF HARTFORD filed 26-030760 effective June 2026 (active). NATIONAL FIRE INSURANCE COMPANY OF HARTFORD filed 26-030761 effective June 2026 (active). NATIONAL FIRE INSURANCE COMPANY OF HARTFORD filed 26-030762 effective June 2026 (active). FEDERAL INSURANCE COMPANY filed 26-030054 effective June 2026 (active). FEDERAL INSURANCE COMPANY filed 26-030049 effective June 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.
Quotes from 10+ carriers · Licensed agent followup
5 quick questions · No phone calls · No SSN required
Key takeaways for Florida commercial auto
- Florida commercial auto rate filings are public, primary-source records — every figure here traces to a filing reference you can verify with the state regulator.
- Your actual Florida commercial auto premium depends on your classification, exposure basis, and each carrier's filed rates and loadings — the filings below are the starting point, not a single market price.
- Comparing quotes from multiple carriers is the only way to see how Florida commercial auto rates differ for your specific operation.
Get a real Florida commercial auto quote
These filings are the regulator-held record — your actual commercial auto premium depends on your classification, exposure basis, and each carrier's filed rates and loadings. Request a free Florida quote in under 90 seconds.
Get a free Florida quote → See what commercial auto insurance costs →Go deeper on commercial auto
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.