State briefing · FLFlorida: Lawsuit-Abuse Reform
Florida: Lawsuit-Abuse Reform
and Consumer Cost
2023 HB 837 overhauled bad-faith and one-way fee statutes. Rates are now falling.
Reform progress35 PACT reports attributed to Florida
Reform progressFlorida
Florida is the proof of concept: sweeping 2022–23 reforms turned the nation's worst litigation climate into a rate-cutting machine.
$1B
Returned to Florida USAA members via dividends and premium cuts
~80%
Share of Florida auto policyholders seeing lower rates in 2026
$3.5B → $100M
Insurance-industry legal defense costs, 2023 to today
9% → 80%
Florida's share of national property claims vs. share of related litigation, pre-reform
PACT coverage
Reporting and analysis attributed to Florida
News & analysis
31- July 23, 2026Florida Proves Lawsuit Reform Works. The Rest of America Is Still Waiting.A new analysis from insurance marketplace The Zebra confirms the quiet part out loud: lawsuit abuse is a primary driver of America’s car insurance crisis, and the states that have acted to reform their legal systems are already seeing…Read
- June 8, 2026CNBC Exclusive: USAA to Return Nearly $1 Billion to Florida Members as Tort Reform Delivers Real ResultsThis morning, CNBC exclusively reported that USAA will return nearly $1 billion to approximately 830,000 Florida insurance members — a landmark moment that the company’s CEO directly and unambiguously attributed to Florida’s tort reform.…Read
- June 4, 2026Florida Is Leading the Nation on Auto Insurance Relief: and the Rest of the Country Should FollowFlorida 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…Read
- May 19, 2026Five Arrested in Miami-Dade Staged Crash and Insurance Fraud SchemeAs detailed by CBS12, Florida’s Department of Financial Services Criminal Investigations Division (CID) announced the arrests of five individuals in connection with an alleged staged motor vehicle crash scheme designed to fraudulently…Read
- March 5, 2026New Report: Florida Auto Insurance Rates Continue to Fall Following Legal ReformsFlorida drivers may soon see more relief on their auto insurance bills. According to a recent announcement from Florida Insurance Commissioner Mike Yaworsky, the state’s five largest auto insurance groups are currently indicating an…Read
- February 11, 2026From Miami to Manhattan: Florida’s Lawsuit Abuse Reform Movement Demonstrates Proven ResultsThe movement to end lawsuit abuse is spreading across the country, with a group of bipartisan governors taking up the cause – including New York Governor Kathy Hochul. At a news conference today, she said:Read
- January 29, 202642 Florida Auto Insurers Cut Rates Following Legal Reforms, Delivering Real Savings for DriversAuto insurance costs continue to ease for Florida drivers, thanks to recent lawsuit abuse reforms causing growing stability in the insurance market. According to WPTV, state regulators have approved another round of auto insurance rate…Read
- January 12, 2026Florida Consumers Continue to See Cost Savings After Lawsuit Abuse ReformsAfter Governor Ron DeSantis and the Florida legislature passed sweeping lawsuit abuse reforms that addressed predatory billboard lawyers, Florida is now reaping the benefits. Car insurance rates are down, rideshare costs are cheaper, and…Read
- December 5, 2025Florida’s Reforms Worked Yet the Fight Against Lawsuit Abuse Isn’t OverFlorida’s landmark lawsuit abuse reforms were a historic success for consumers. These critical reforms directly led to a significant decrease in the auto insurance rates Florida drivers pay. Yet a new report, underscores that the fight to…Read
- November 4, 2025Florida Drivers Score Another Win: Consumers to See $400 Annual Savings as Lawsuit Reforms Deliver ResultsFlorida drivers just got more good news about their auto insurance rates. State Farm, which insures 2.5 million vehicles in the state, has announced plans to cut auto insurance rates in Florida, which would save policyholders $400 a year.…Read
- October 23, 2025Florida Lawsuit Reforms Just Delivered a Billion-Dollar Win for DriversFlorida is delivering a major win for drivers and it’s not just a refund, it’s a signal that lawsuit reform works. Florida Voice had more:Read
- October 17, 2025How Lawsuit Abuse Is Driving Up Auto Insurance Rates – And How States Can Fix ItAt a time when so many working families are struggling to make ends meet, the skyrocketing cost of auto insurance is a real problem across the United States. Across the country, drivers are paying hundreds more each year just to stay on…Read
Press releases
4- June 8, 2026ICYMI: USAA CEO Credits Florida Tort Reform for Returning Nearly $1 Billion to PolicyholdersThe remarks offer a powerful message for governors and legislators across the country: tort reform is an affordability solution that delivers real cost savings for constituents.Read
- August 14, 2025ICYMI: PACT Board Member Takes To Airwaves to Highlight Florida’s Lawsuit Abuse Reform LegislationThis week, former Florida House Speaker and PACT Board Member Paul Renner took to the airwaves in Florida and across the Country to discuss his latest Miami Herald op-ed highlighting how auto insurance rates are decreasing for the first…Read
- August 8, 2025PACT Highlights Florida’s Game Changing Lawsuit Abuse ReformsAs Former Florida House Speaker and PACT Board Member Paul Renner writes in the Miami Herald:Read
- July 31, 2025ICYMI: A Case Study in Success: Lawsuit Abuse Reforms Are Lowering Auto Insurance Rates Across FLFlorida’s reforms to tackle predatory lawsuit abuse is a success story, that’s the takeaway after news outlets across the state reported on rate reductions to consumers’ auto insurance policies – the first time in years, following…Read
Background
Read the explainers behind PACT's reform positions
Consumers at Risk
How lawsuit abuse, third-party litigation funding, and legal-advertising excess raise the cost of everyday goods.
OpenState Reform Map
National scorecard of tort-reform progress and documented fraud hot spots across all 50 states.
OpenThe New York Lawsuit System
Deep dive on staged accidents, medical mills, and no-fault fraud — the anatomy of the country's most exploited insurance market.
OpenPACT Research
Original polling, cost studies, and litigation-finance analyses underpinning PACT's reform positions.
OpenPolling Results
Voter attitudes on lawsuit abuse, tort reform, and legal-system transparency across battleground states.
OpenLatest News & Analysis
Reverse-chronological feed of PACT reporting on legal-system reform, fraud enforcement, and insurance-cost impact.
OpenOther reform-progress states