Florida’s 2023 tort reforms are delivering major wins for riders and drivers across the state.
Before Florida House Bill 837 (HB 837) was implemented, legal abuse made Florida one of the most expensive states in the country for insurance. , HB 837 put commonsense limits on inflated legal costs, curbed lawsuit abuse, and stabilized insurance markets.
As a result, major insurers are returning to Florida and personal auto rates have dropped by 20%or more as result of multiple rate cuts.
These improvements are now showing up in rideshare pricing too: As of September 2025, on average, 19% of a rider’s fare on Uber went towards government-mandated insurance—roughly a two percentage-point improvement compared to the prior year. Since March 2025, Florida riders have saved tens of millions of dollars..
With more affordable insurance and increased rider demand, Florida drivers are getting more trip opportunities while benefiting from Uber’s continued investment in safety innovations like seat-belt alerts, left-turn reductions, and enhanced Driving Insights.
Florida’s improvements show that smart policy can keep transportation affordable while strengthening economic opportunity. To help protect these gains, stay informed.
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