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Florida auto insurance — trapped in the ’70s, and you’re paying the price

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In 1971, Florida enacted auto insurance laws designed for a world of muscle cars, pay phones, and gas under 40 cents a gallon. Fifty-four years later, the world has moved on — but our laws haven’t.

Today, Floridians pay nearly $29 billion a year for auto insurance — the highest per-vehicle cost in the country. The average Florida driver pays nearly $2,400 annually, compared to a national average of roughly $1,700. But the real issue isn’t just the price. It’s how unfairly the burden is distributed.

Start with uninsured motorists: over one in five drivers in Florida (20.4%) have no insurance at all, according to the Insurance Research Council. That’s the sixth-highest rate in the U.S., well above the national average of 14%. If you get hit by one of these drivers, your own policy — or your wallet — has to pick up the slack.

Then there are underinsured motorists: drivers who technically meet the state’s minimum legal requirements — just $10,000 in personal injury protection and $10,000 in property damage — but whose coverage isn’t remotely enough to handle the average crash. In the U.S., the average auto accident results in more than $23,000 in damages and injuries, and that figure can be much higher in Florida’s urban areas with high litigation and medical costs.

So, whether you’re hit by someone with no insurance or not nearly enough, the result is the same: you’re on the hook.

It’s like dining at a restaurant where 20% of the guests walked out on their checks, and the rest ordered off the kids’ menu. You ordered responsibly, but the manager just spreads the shortfall across your tab.

This isn’t an accident. We built the system this way.

Florida’s laws make it easy to avoid full participation and expensive to follow the rules. The penalty for driving without insurance? A $150 fine and a brief license suspension, often lifted as soon as the driver pays. Meanwhile, the required minimums haven’t changed in decades and no longer reflect real-world costs.

We know reforms can work. After major tort reform passed in 2023, insurers lowered rates: GEICO by 10.5%, Progressive by 8.1%, and State Farm by 6%. Lawsuits dropped. The system responded. That’s the power of smart policy.

Now it’s time to act again.

The Legislature should fund a university-led research initiative to chart a new course, examining how to responsibly raise coverage limits, reduce uninsured and underinsured driving, and modernize enforcement.

We already have a road map. A 2016 study by Pinnacle Actuarial Resources projected a 5.6% to 8.1% drop in premiums if Florida eliminated PIP and required bodily injury coverage instead. But the same study warned that some low-income or elderly drivers carrying only minimum coverage could see their premiums jump by over 70%.

That’s the challenge. Reform isn’t simple — it’s structural. And it needs data, not dogma.

Florida should also require the Office of Insurance Regulation to publish an annual Best Practices Report, tracking uninsured and underinsured rates, crash costs, claims frequency, and affordability. We regulate hospitals, utilities, and banks with rigor. Why not the second-largest household expense for Florida families?

Other states offer lessons:

— Oklahoma slashed its uninsured driver rate from 26% to under 12% using license plate readers and real enforcement.

— Tennessee used the same tools but failed to close enforcement loopholes. Its uninsured rate is back above 20%.

— Texas encourages usage-based insurance. Drivers who opt in and drive safely can save up to 30%.

Florida could go even further: let drivers enroll in telematics programs to power usage-based insurance as an alternative to paying state traffic fines. Reward good behavior instead of just punishing bad driving.

The truth is, our auto insurance system isn’t expensive because insurers are greedy. It’s expensive because our laws are outdated, enforcement is weak, and risk is unfairly shared between the insured and the unaccountable.

Every month, responsible drivers pay their premiums and hope it’s enough. But in Florida, they’re playing a game of financial Russian roulette. The odds? One in five drivers is uninsured, and many more are dangerously underinsured.

This isn’t a system. It’s a rigged gamble. And Tallahassee knows it.

We have the data. We have success stories. What we lack is the courage to fix a system that punishes the responsible and protects the reckless.

___

Former Sen. Jeff Brandes is the founder and president of the Florida Policy Project.


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Kevin Steele seeks insight from conservative leaders at Rick Scott-led summit

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State Rep. Kevin Steele’s campaign for Chief Financial Officer already enjoys political support from U.S. Sen. Rick Scott. The Dade City Republican attended a summit headlined by the Senator to also gain some policy insight and mentoring.

Steele was among the attendees for the Rescuing the American Dream summit held on Thursday in Washington, D.C. He said it was a quest for knowledge that drew him to Capitol Hill to hear the discussion.

“The way you do things better in the future is by learning from people who have already accomplished something,” Steele told Florida Politics at the event.

Scott gave a shoutout to Steele from the stage. The Governor already endorsed Steele, who is challenging the appointed Chief Financial Officer Blaise Ingoglia in 2026. At the summit, Scott both promoted conservative successes in the first year of President Donald Trump’s second term and laid out visions on issues from health care reform to cryptocurrency.

Steele called the panel discussions “amazing” and instructive on tackling affordability issues in Florida.

“If we don’t start addressing those things head first, we’re going to fall behind,” Steele said. “I think we’ve lost several million jobs in the state of Florida over the past six or seven years. Learning from Rick Scott and how to bring jobs back to the state is a good thing. And I think that we need to start tackling some of the big, big things that we need to attack.”

That includes addressing property insurance premiums head on and evaluating the property tax situation.

While he will be challenging a Republican incumbent in a Primary, Steele voiced caution at comparing his philosophy too directly with Ingoglia, a former Republican Party of Florida Chair with a history of animus with Scott.

But he did suggest Ingoglia’s recent scrutinizing of local governments may be starting at the wrong place when it comes to cutting spending.

“We need to start focusing on state down, instead of going to a county and pointing out flaws there,” Steele said. “There’s a lot of issues at the state level that we can address, some of which we are, some of which I’ve submitted different bills to address. I think that there’s a lot of waste and abuse at the state level that we can focus on.”



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Darren Soto refuses to call for Sheila Cherfilus-McCormick’s resignation

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U.S. Rep. Darren Soto is refusing to say whether indicted U.S. Rep. Sheila Cherfilus-McCormick should vacate her seat in Congress.

Video obtained by Florida Politics shows Soto being confronted on Capitol Hill. “Will you call on Sheila Cherfilus-McCormick to resign?” the videographer asks.

Initially, Soto remains silent, but the questioner suggests that silence shows “support” for someone who “stole $5 million in health care funds for the most vulnerable.” The Kissimmee Democrat then responds but continues walking away from the camera. He then conflates a censure motion against U.S. Rep. Cory Mills, a New Smyrna Beach Republican, and Cherfilus-McCormick, a Miramar Democrat.

“Both Mills and Cherfilus-McCormick, both will have due process. Thank you,” Soto said.

Both Cherfilus-McCormick and Mills remain the subjects of ongoing House Ethics Committee investigations. But only Cherfilus-McCormick now faces criminal prosecution for alleged financial crimes.

A grand jury in November indicted Cherfilus-McCormick on charges she stole $5 million in disaster relief funds to finance her 2021 congressional campaign.

The indictment alleges that Cherfilus-McCormick and her brother, Edwin Cherfilus, secured funding intended for a COVID vaccine distribution program, but when overpayments were made, she routed the spending through several accounts that later donated the funds as campaign contributions.

Minority Leader Hakeem Jeffries said pursuant to House rules that Cherfilus-McCormick had to give up her ranking status on the Subcommittee on the Middle East and North Africa. Local Democrats have started to issue calls for the Miramar Democrat’s resignation. But there have been no calls from Democratic members of Congress.

U.S. Rep. Greg Steube, a Sarasota Republican, has said if she won’t resign, he will move for her expulsion.

The National Republican Congressional Committee (NRCC), which lists Soto as a target in 2026, slammed Soto’s unwillingness to criticize a fellow Democrat.

“Darren Soto’s refusal to call on Sheila Cherfilus-McCormick to resign is unacceptable,” said NRCC spokesperson Maureen O’Toole. “Floridians deserve a representative who fights for them, not his taxpayer-thieving colleague.”



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Lawmakers propose tough penalties for adults who involve minors in animal cruelty

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Bipartisan legislation filed this week would expand Florida’s criminal penalties for adults who involve children in acts of animal cruelty or expose them to violent offenses against animals.

Democratic Sen. Kristen Arrington and Republican Rep. Linda Chaney filed the legislation (SB 676, HB 559). The bills would add new crimes to state law that make it a third-degree felony for an adult to entice a minor to commit animal cruelty, or for an adult to commit animal cruelty in the presence of a minor. 

The lawmakers cite studies that show children who witness acts of animal cruelty experience an increase in mental health issues, along with an increased likelihood of engaging in violence themselves. By addressing the cycle of abuse early on, they say children can be shielded from additional trauma caused by witnessing violence.

The proposal would also create offenses for adults who involve minors in animal fighting or baiting, and for sexual activities with animals, while also ranking the new crimes on the state’s offense severity chart and increasing penalties for certain felony offenses. If approved, the act would take effect Oct. 1, 2026.

Arrington, of Kissimmee, said the goal is to strengthen protections for both children and animals.

“Exposing children to acts of animal cruelty not only harms animals but has a profound negative impact on children’s emotional development and wellbeing” Arrington said in a statement. “This bill is meant to protect both our youth and our animals, ensuring that those who would involve minors in such heinous acts face strict consequences.”

Chaney, of St. Pete Beach, said animal crimes committed in front of children are closely linked with other forms of family violence.

“Committing animal crimes in front of minors is a serious issue that often co-occurs with other forms of family violence and can have severe, long-term traumatic effects on the children involved” Chaney said. “We must do all we can to break generational cycles of violence. This bill can do that.”

Democratic Rep. Johanna López of Orlando signed on as a prime co-sponsor.

“I’m honored to join Senator Arrington and Representative Chaney in advancing reforms that protect the safety and mental health of our minors and ensure that those who abuse our children or our pets are held accountable,” López said.



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