A new study from online insurance marketplace Insurify found that 65% of Florida respondents said rising insurance costs would make them more likely to vote in the 2026 midterms. Insurify economist Julia Taliesin said the company wanted to look at whether there was any connection in some of these states between the political environment and insurance regulation. Insurify puts the Florida statewide average premium at $8,292, with a modest 2% increase expected this year. The study found 84% of Florida respondents plan to vote in the 2026 midterms, with 72% of Florida respondents being homeowners. Among Florida homeowners, 49% reported their home insurance premiums increased in the last 12 months.
According to state leaders, reforms on insurance litigation have led to stable and in many cases lower rates, as more companies enter Florida adding to competition. Yet in many parts of the state, including South Florida, insurance premiums have risen as inflation and home values have increased. Republican state leaders this year have been leading the charge for property tax reform as a new affordability target. Taliesin said insurance complexity may be driving that political shift in focus, noting it demonstrates what is easiest to shift where they can focus and get maybe the biggest result, and insurance is complicated.