Anthony Talcott, Digital Journalist
Published:
Anthony Talcott, Digital Journalist
ORLANDO, Fla. – USAA says it is giving Florida members a big round of financial relief through lower auto insurance rates and dividend payments—and the company points to Florida’s property insurance litigation reforms as one reason the market is improving.
In a new release, USAA said rising prices have been squeezing family budgets across the country. The company says it is trying to help military families save money in several ways, including insurance rate cuts, dividends (money returned to members), safe-driving discounts and some banking benefits.
Recommended Videos
USAA called Florida a major example of these savings.
The company said that between December 2025 and July 2026, it will provide nearly $1 billion in targeted rate reductions and direct returns to eligible Florida members. USAA said this includes an average 14% decrease in auto insurance rates in Florida, spread across two rate filings.
Great news from @USAA! Thanks to legislative reforms, $500 million in dividends will be distributed to approximately 830,000 FL USAA auto policy members.
Beginning next week, eligible current policyholders are expected to receive an average dividend payment of about $760, with…
USAA also said it paid $160 million in insurance dividends for eligible Florida members in December 2025.
USAA also announced a $500 million dividend that will go to some Florida auto policyholders.
The company said the dividend will be sent to about 830,000 members who had USAA auto policies between 2023 and 2025. Starting June 15, eligible current policyholders in Florida are expected to receive an average payment of about $760, and more than a quarter could receive more than $1,000, according to USAA.
USAA said auto insurance rates have climbed across the industry in recent years because of natural disasters, inflation, and legal costs.
In Florida, USAA pointed to the state’s 2022–2023 property insurance litigation reforms, saying changes meant to cut down on costly lawsuits helped improve market conditions. USAA said those improvements helped make it possible to return more value to members through dividends and rate reductions.
“Florida’s civil litigation and tort reforms have curbed legal system abuse, helping reduce the legal costs that were a significant driver of premium increases, enabling USAA to pass meaningful savings directly to members,” the release reads.
Florida Lt. Gov. Jay Collins also praised the move, taking partial credit for the legislation he says helps insurers like USAA reinvest into Florida markets.
Thanks to the insurance and tort reform legislation I voted for in 2022 while in the senate, insurers are reinvesting in Florida.
USAA will return $1 billion to eligible veterans and military families in our state. Through rate reductions and direct returns, Floridians can feel…
USAA also highlighted programs that can help members lower costs day to day, including SafePilot and SafePilot Miles, which can offer discounts based on driving behavior and mileage.
USAA Bank also said it has reduced or removed certain banking fees and continues to offer credit products with competitive rates.
If you’re a USAA auto policyholder in Florida, keep an eye out for messages from USAA about whether you qualify for the dividend, especially around June 15. You can also check whether safe-driving and banking programs could help you save more.
Get breaking news alerts delivered to your inbox.
Copyright 2026 by WKMG ClickOrlando – All rights reserved.
Anthony, a graduate of the University of Florida, joined ClickOrlando.com in April 2022.
email
TV Listings
Email Newsletters
RSS Feeds
Contests and Rules
Contact Us / Follow on Social Media
Careers at WKMG
Closed Captioning / Audio Description
Public File
Current EEO Report
Terms of Use
Privacy Policy
Do Not Sell My Info
FCC Applications
EEO Report
Disability Assistance
If you need help with the Public File, call (407) 291-6000
At WKMG, we are committed to informing and delighting our audience. In our commitment to covering our communities with innovation and excellence, we incorporate Artificial Intelligence (AI) technologies to enhance our news gathering, reporting, and presentation processes. Read our article to see how we are using Artificial Intelligence.
Copyright © 2026 ClickOrlando.com is managed by Graham Digital and published by Graham Media Group, a division of Graham Holdings.
