The Florida Office of Insurance Regulation (OIR) approved changes to Citizens’ Personal Lines policy rates for new and renewal policies effective on or after June 1, 2025.

The rate changes for primary risks range from a 10% decrease to a 14% increase based on territory and underwriting factors. For non-primary risks, however, the rate changes range from a 0% decrease to a 50% increase. For the calculation of Annual Rate Change by Territory charts, please access here: PR-M and PR-W.

The statutory maximum allowable cap for individual rate changes (glide path) will be 14%, excluding coverage changes, mitigation adjustments, rate changes for sinkhole loss coverage, assessments and surcharges, and a required rapid cash build-up provision for the Florida Hurricane Catastrophe Fund (FHCF), if applicable.

Note: As a result of Senate Bill 76, Citizens began increasing the cap on rate increases by 1% annually, and will continue to do so until the cap reaches 15% in 2026.

Resources

Log in to the Agents website, select Personal, and select:

• PRM or PRW:
  • Look under the Spotlight section on the right side of the page to access the Rate Changes by Territory charts.

  • Choose the specific line of business from the page to access the Rating Steps and Factors and Underwriting Guidelines manuals located on the center of the page.

• The specific policy form to access the Rating Worksheets via the center menu.