Florida is delivering results and lower auto insurance rates that reform opponents said were impossible just a few short years ago. New reporting from WWSB in Sarasota confirms that following the state’s 2023 legal reforms, Florida recorded the lowest personal auto liability loss ratio in the nation in 2025 at 52.5 percent, the state’s lowest in 15 years. More than 40 auto insurers have filed for rate decreases since January 2025, including all five of the state’s largest carriers, which together cover nearly 80 percent of the market.

Mark Friedlander of the Insurance Information Institute put it simply: 

“This is great news for Florida drivers because we are seeing rate decreases across the board here.”

The numbers back him up. State Farm has cut rates more than 20 percent in total since 2024, exceeding $1 billion in statewide savings. Progressive issued a separate nearly $1 billion refund to Florida policyholders. Florida Insurance Commissioner Mike Yaworsky was direct: “It is very clear that tort reform was the right thing to do, and we will continue to build on this success.”

The Wall Street Journal Editorial Board said it plainly:

 “Florida is showing that political leaders can head off a market disaster and lower costs if they have the courage to reform.”

Florida has proven the model. It is time for lawmakers in every state to follow its lead, pass commonsense lawsuit abuse reform, and deliver real relief to your constituents, and your consumers.