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 20 active commercial auto filing(s) on record for Florida, filed by 8 distinct carrier(s).
Commercial auto rate filings in Florida are reviewed by the Florida Department of Financial Services, Division of Insurance Agent and Agency Services. 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 GEICO GENERAL INSURANCE COMPANY, SOUTHERN-OWNERS INSURANCE COMPANY, SOMPO AMERICA FIRE & MARINE INSURANCE COMPANY, CONCERT INSURANCE COMPANY, MANUFACTURERS ALLIANCE INSURANCE COMPANY, SPINNAKER INSURANCE COMPANY, UNITED AUTOMOBILE INSURANCE COMPANY, ROCK RIDGE INSURANCE COMPANY. 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 March 2025. 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, with the real SERFF tracking number for each.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| Comm Auto | FL | filing on record (magnitude not publicly disclosed) | Mar 29, 2025 | FLOIR-FCC-25-025561 |
| Comm Auto | FL | filing on record (magnitude not publicly disclosed) | Mar 25, 2025 | FLOIR-FCC-25-015530 |
| Comm Auto | FL | filing on record (magnitude not publicly disclosed) | Mar 25, 2025 | FLOIR-FCC-25-015529 |
| Comm Auto | FL | filing on record (magnitude not publicly disclosed) | Mar 15, 2025 | FLOIR-FCC-25-007246 |
| Comm Auto | FL | filing on record (magnitude not publicly disclosed) | Mar 1, 2025 | FLOIR-FCC-25-010938 |
| Comm Auto | FL | filing on record (magnitude not publicly disclosed) | Mar 1, 2025 | FLOIR-FCC-25-010928 |
| Comm Auto | FL | filing on record (magnitude not publicly disclosed) | Mar 1, 2025 | FLOIR-FCC-25-010932 |
| Comm Auto | FL | filing on record (magnitude not publicly disclosed) | Mar 1, 2025 | FLOIR-FCC-25-010926 |
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.
GEICO GENERAL INSURANCE COMPANY filed FCC 25-025561 effective March 2025 (active). SOUTHERN-OWNERS INSURANCE COMPANY filed FCC 25-015530 effective March 2025 (active). SOUTHERN-OWNERS INSURANCE COMPANY filed FCC 25-015529 effective March 2025 (active). SOMPO AMERICA FIRE & MARINE INSURANCE COMPANY filed FCC 25-007246 effective March 2025 (active). CONCERT INSURANCE COMPANY filed FCC 25-010938 effective March 2025 (active). CONCERT INSURANCE COMPANY filed FCC 25-010928 effective March 2025 (active). CONCERT INSURANCE COMPANY filed FCC 25-010932 effective March 2025 (active). CONCERT INSURANCE COMPANY filed FCC 25-010926 effective March 2025 (active). CONCERT INSURANCE COMPANY filed FCC 25-010922 effective March 2025 (active). MANUFACTURERS ALLIANCE INSURANCE COMPANY filed FCC 25-006186 effective March 2025 (active). MANUFACTURERS ALLIANCE INSURANCE COMPANY filed FCC 25-006187 effective March 2025 (active). MANUFACTURERS ALLIANCE INSURANCE COMPANY filed FCC 25-006185 effective March 2025 (active). MANUFACTURERS ALLIANCE INSURANCE COMPANY filed FCC 25-006183 effective March 2025 (active). MANUFACTURERS ALLIANCE INSURANCE COMPANY filed FCC 25-006184 effective March 2025 (active). MANUFACTURERS ALLIANCE INSURANCE COMPANY filed FCC 25-006188 effective March 2025 (active). SPINNAKER INSURANCE COMPANY filed FCC 25-019245 effective March 2025 (active). UNITED AUTOMOBILE INSURANCE COMPANY filed FCC 25-016810 effective February 2025 (active). ROCK RIDGE INSURANCE COMPANY filed FCC 25-019277 effective February 2025 (active). ROCK RIDGE INSURANCE COMPANY filed FCC 25-019276 effective February 2025 (active). GEICO GENERAL INSURANCE COMPANY filed FCC 25-011341 effective January 2025 (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.
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.
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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.