USAA cuts Florida auto rates as tort reforms ease pressure

Since the start of 2025, USAA has implemented rate increases in at least 14 states and Washington, D.C., with overall effective hikes of up to 12.5% in California, according to BestLink. Other jurisdictions, including Montana and the District of Columbia, saw overall rises of up to 10.2% and 11.7%, respectively, across various sublines. Smaller overall decreases are taking effect this year in Virginia, down as much as 1.7%, and fractionally in Indiana, although Indiana itself was among the states that saw higher overall effective increases last year.