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2022 Rates Changes

The Florida Office of Insurance Regulation (OIR) approved updates to Citizens’ rates, which apply to new and renewal policies with effective dates on or after October 1, 2022. The updates are outlined below.

Rate Changes (All Types)

The rate changes vary by risk, occupancy, product line and territory, except for Commercial Nonresidential Multiperil (CNR-M) rates which remain unchanged. Individual rate changes are currently subject to an 11% cap, excluding coverage changes, A-rates, mitigation adjustments, rate changes for sinkhole loss coverage, assessments and surcharges, and a required rapid cash build-up provision for the Florida Hurricane Catastrophe Fund, if applicable.

Note: As a result of Senate Bill 76, Citizens began increasing the capped "glide path" on rate increases by 1% annually starting in 2022 until the cap reaches 15% in 2026.


For more information on new-business submissions, renewals and A-rates, log in to the Agents site and select:

  • Commercial > CR-M or CR-W > Rating Worksheets from the center menu and select the applicable worksheets for the line of business
  • Commercial > CR-M or CR-W under Spotlight on the right-hand side of the page to select Rate Changes by Territory
  • Training > Commercial Job Aids > New Business to access the Commercial Lines New-Business Submission Guide and Uploading and Linking Documents job aids

Legal Disclaimer

Citizens provides agent communications online for historical purposes only, and the communications have not been updated to include any changes that may have been made after publication. Agents can find the latest information by reviewing the applicable underwriting manuals, and by logging in and accessing our FAQs, which are available from the top of any page on our website.