Paul Renner, former Speaker of the Florida House of Representatives, said in an op-ed that after a decade of significant insurance rate increases, Florida is experiencing declining insurance costs due to legal reforms in 2023 aimed at ending lawsuit abuse.
“After more than a decade of steady increases, including some of the steepest hikes in the country, rates are finally declining in Florida,” said Paul Marvin Renner, State House of Representatives 24th District. “It is the direct result of legal reforms enacted in 2023 to end litigation abuse and bring stability back to the system. The big winners are Florida consumers, who finally get some help to ease their cost of living. This is not a fluke.”
According to recent data, Florida’s auto insurance landscape underwent significant changes in 2025. The state’s top five auto insurers, which represent approximately 78% of the market, filed for average rate reductions of 6.5%. This follows a substantial average increase of 31.7% just two years earlier in 2023. This improvement is largely attributed to legislative reforms that curtailed excessive legal claims and alleviated cost pressures on insurers.
Florida’s auto liability loss ratio decreased from 80.5% in 2022 to 74.5% in 2023 and further dropped to 53.3% in 2024, making it the lowest in the nation. This notable improvement is linked to a sharp decline in litigation and lawsuit abuse, particularly following changes such as banning one-way attorney fees and reforming assignment-of-benefits (AOB) abuses.
Legal filings within Florida’s insurance sector have significantly declined, with overall insurance litigation dropping by approximately 25% in 2025 and a 23% decrease between 2023 and 2024. Since tracking began in 2021, lawsuit filings have fallen by as much as 36%, with even the smallest reduction still at a notable 15%. These actions include requiring advance notice and eliminating one-way attorney fees.
Following the ban on AOB in auto glass claims enacted in 2023, lawsuits within that category decreased by about 83% from 2023 to 2024—from roughly 60,000 cases down to around 10,000 auto glass lawsuits. This sharp decline indicates that reform measures are effectively addressing one of the most significant sources of litigation abuse.
Renner served as Speaker from 2022 to 2024 and played a central role in advocating for comprehensive insurance and civil justice reforms. Under his leadership, the legislature enacted HB 837 reforms in 2023—eliminating one-way attorney fees, implementing stricter filing requirements, notice provisions, and transparency mandates—aimed at curbing lawsuit abuse and stabilizing insurance markets.
