佛罗里达州三家保险商宣布下调费率：USAA 车险平均降 7% 涉逾 49.8 万份保单、红树财产房屋险平均降 5.6%
佛罗里达州 — 据保险行业媒体 Insurance Journal 2026 年 10 月 28 日报道，又有三家保险商宣布下调佛罗里达州的车险、房屋险与公寓单位险费率，合计影响超过 50 万份保单。
面向军人及其家庭的 USAA 表示，已把车险费率平均下调 7%，涉及超过 49.8 万份保单。
佛罗里达州保险监管办公室在通报中表示，USAA 客户集中的布里瓦德县、埃斯坎比亚县与奥卡卢萨县，平均降幅分别为 5.8%、8% 与 8.4%。
监管办公室还指出，佛罗里达州车险市场继续显示强劲增长与稳定性，截至今年秋季，前五大车险集团 2026 年指示费率变动为负 12.6%，覆盖佛罗里达州车险市场的 81%。
房屋险方面，总部在圣彼得斯堡的红树财产保险（Mangrove Property Insurance）宣布其 HO3 项目全州平均下调 5.6%。报道称，该下调按先用后报方式作出，佛罗里达州保险监管办公室尚未审核该方案。
报道引监管办公室季度数据称，红树财产保险今年 3 月有超过 4.8 万份房屋险保单在册。
总部在奥蒙德比奇的 Security First 表示，将把 HO6 费率平均下调 7.3%。该公司称，下调已申报并生效，涉及超过 2 万名保单持有人。
Three Florida Insurers Announce Rate Cuts: USAA Auto Rates Down an Average of 7 Percent on More Than 498,000 Policies, Mangrove Homeowners Down 5.6 Percent
Florida — Three more insurance carriers have announced reduced rates for auto, homeowners and condominium unit policies in Florida, affecting more than half a million policies, Insurance Journal reported on October 28, 2026.
USAA, which serves military service members and their families, said it had reduced auto rates by an average of 7 percent for more than 498,000 policies.
The Florida Office of Insurance Regulation said in a bulletin that Brevard, Escambia and Okaloosa counties, the largest share of USAA customer base, will see average decreases of 5.8 percent, 8 percent and 8.4 percent respectively.
The regulator noted that the top five auto groups are showing a 2026 indicated rate change of negative 12.6 percent, affecting 81 percent of Florida auto market, as of this fall.
For homeowners, St. Petersburg-based Mangrove Property Insurance announced an average 5.6 percent statewide decrease for its HO3 program. The reduction was made on a use-and-file basis, and the Florida regulator has not yet reviewed the plan, the report said.
Regulator quarterly reports show Mangrove had more than 48,000 homeowner policies in March of this year, according to the report.
Ormond Beach-based Security First said it will trim HO6 rates by an average of 7.3 percent. The company noted the reduction has been filed and is in effect for more than 20,000 policyholders.
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图片来源：图：佛罗里达州塔拉哈西的州议会大厦历史旧楼与新楼。Michael Rivera 摄，CC BY-SA 3.0，经 Wikimedia Commons / Photo: Florida’s Historic Capitol and Florida State Capitol 1. By Michael Rivera, CC BY-SA 3.0, via Wikimedia Commons
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