Florida’s 2023 tort reform law, HB 837, is reportedly contributing to lower insurance costs and reduced Uber fares, according to data from the company, which suggests the law could serve as a model for other states.
That’s according to data shared in “Under the Hood,” Uber’s publication Medium, in an article titled “The Impacts of Legal Abuse Reform on Rideshare Prices in Florida.”
Enacted in March 2023, HB 837 was designed to address what supporters call “lawsuit abuse” and reduce volatility in insurance pricing driven by litigation. The law tightened negligence standards, limited certain attorney-fee outcomes, and changed evidentiary rules for medical damages. Proponents say these changes could reduce incentives for inflated claims and prolonged disputes that increase costs for consumers and businesses, Uber reported.
The article indicates the reforms are influencing Uber trip economics. As of September 2025, it reported that 19% of an average Florida Uber fare went to “government-mandated insurance,” a roughly two-percentage-point improvement from the previous year. It also said Florida riders have saved “tens of millions of dollars” since March 2025, with year-over-year fare changes up to six percentage points lower than in other states during the same period.
Data from Florida regulators regulators shows litigation was disproportionately high before the 2022–23 reform cycle. A report from the Florida Office of Insurance Regulation indicated that in 2022, Florida accounted for 14.9% of nationwide claims but represented 70.9% of the nation’s insurance litigation. The report said a 2022 closed-claims data call recorded 732,390 claims statewide, including 58,395 litigated claims, with $11.2 billion in indemnity paid and $1.5 billion in loss adjustment expenses.
A July 2025 stability report from Florida’s insurance regulator noted a “slight downward trend” in rate filings beginning in 2024 and continuing into 2025. For residential policies effective in or after 2024, 27 companies requested rate decreases while 41 requested no change. The report also said the reforms led to the approval of 14 new companies writing residential property policies and accelerated depopulation of the state-backed Citizens insurer.
For states considering similar reforms, rideshare insurance costs offer a point of comparison.
Uber has said nearly one-third of a rider’s fare goes toward state-mandated insurance costs in New Jersey. An Axios explainer, citing Uber, noted similar figures for California and New Jersey, compared with about 5% in Washington, D.C., highlighting wide disparities across jurisdictions. By comparison, Florida fares allocate a smaller share, 19%, to insurance.
“Under the Hood,” launched by Uber on Medium, hosts company insights, data analyses, and articles on the rideshare industry.
