Progressive has filed a rate and rule update for its private passenger auto program in Florida, proposing an overall 9% rate decrease driven by improving loss trends across multiple coverages, including bodily injury, PIP, comprehensive, collision, and uninsured motorist BI. The filing follows earlier reductions implemented in December 2024 and June 2025 and reflects Progressive’s expectation of lower forward-looking loss costs in the state.

Beyond the rate cut, the filing includes a wide-ranging restructuring of Progressive’s rating framework. The insurer is discontinuing education as a rating variable, refreshing its credit model, expanding rental reimbursement options, and introducing new factors tied to population density, vehicle symbols, model year, driver age, and policy points. Progressive is also consolidating and clarifying numerous rules and tables, including payment-related discounts, vehicle attributes, driver factors, and expense loads, and replacing separate paid-in-full and EFT rules with a unified “payment indicators” rule.

The changes are filed under Florida’s use-and-file statute, with proposed effective dates of December 12, 2025 for new business and January 15, 2026 for renewals, and are intended to simplify product design while aligning rates more closely with recent loss experience.