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Ron DeSantis: “Auto insurance had been arguably the most inflationary…”

Featuring: Ron DeSantis, Republican | Governor of Florida

Florida Gov. DeSantis Delivers Remarks At The American Property Casualty Insurance Association Event

Published October 6, 2025 | Video Starts at 17:29

Though not all the top five insurance company auto insurance groups have had an average 6.5 reduction in rates in, in Florida … Auto insurance had been arguably the most inflationary item... I think it had been up like 20%. … a lot of places in this country where you're seeing declines in rates for auto insurance. But you are doing that in the state of Florida. (17:29–17:42)

CLAIM

Asserts that auto insurance rates increased by approximately 20% due to inflation.

This is an excerpt from a raw transcript. The assertions have not been audited or verified. Tap the video to view the source footage and understand the context.

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Ron DeSantis

“We have been ranked in Florida, the number one economy of all 50 states three years in a row by CNBC.”
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“While Florida had 8% of all property insurance claims nationwide, it accounted for 78% of all litigation nationwide.”
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“That's reduced the taxpayer backed Citizens Insurance by $303 billion.”
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“If you look at the power restoration after Hurricane Milton, we had 4.2 million restored in like 72 hours.”
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“Pine Island bridge, same thing. They thought it was going to take six months. We did that in three days.”
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“When I became governor in 2019, Florida was known as one of the country's worst judicial hellholes.”
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“I had three vacancies my first day in office.”
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“Florida's judicial system, in terms of what you get when you go in, is dramatically improved from where it was at the end of 2018.”
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“Florida had been one of the worst states in terms of the trial litigation.”
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“We knew there were problems not just in homeowners insurance market, which was obviously experiencing a lot of problems, but also in things…”
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“One of the governors at the time who actually has run for governor since then, a bunch of times, you know, he tried to do like price…”
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“The first major [hurricane] to make a landfall on Florida in over a decade was Irma in 2017.”
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“Florida's market had the lowest increases of all 50 states [in 2024].”
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“As of September 30, Florida's Office of Insurance Regulation has received 59 rate filings for rate decreases and 87 filings for zero rate…”
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“Florida Peninsula Insurance Company has requested its largest rate decrease in recent memory.”
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“We have 17 new companies, you know, that are entering the market.”
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“30 day average request for homeowners rates was down 1.4%.”
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“Year to date, 214,000 policies have entered the private market.”
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“Citizens Insurance, the number of lawsuits has fallen by nearly 50% since the reforms were enacted in 2022.”
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“Top five insurance company auto insurance groups have had an average 6.5 reduction in rates in, in Florida in 2025.”
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“We also have a big reduction in the personal auto liability loss ratio. It's the lowest in the Nation now at 53.3% as of the end of 2024.”
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“Their own analysis in the Florida House of Representative that the staff does predicted that the effect of that would cause insurance rates…”
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“The Senate in Florida did not consider any of the stuff with respect to the 22 or 23 reform rollback at all.”
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“We did the My Safe Florida Home program. So we've put money in there, people get grants, they make improvements to their home.”
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“We finally got my safe Florida home funding in June of when they actually did the budget.”
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“We've shown, we're serious about both the judiciary and the statutory legal reforms, which are very, very significant.”
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“We reopened the Sanibel Causeway two weeks later. They thought it was going to take six months.”
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“That's why I think we have the best bounce back of any state with respect to all of this.”
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