Uber announced that recent lawsuit-abuse reforms in Florida are helping reduce ride costs and increase demand. The company said, “lower insurance costs mean lower prices for riders, plain and simple,” while drivers are completing more trips as prices decrease.
That announcement was shared by Uber on Jan. 5, 2026, in its Uber Under the Hood Medium publication. The post emphasized how Florida’s tort reform package (HB 837) and subsequent insurance-rate relief have helped make rides more affordable for passengers while increasing trip volume for drivers.
According to Uber, Florida’s HB 837 (Chapter 2023-15) revised key aspects of the state’s civil justice system. The law limits the application of contingency-fee multipliers, repeals many “one-way” attorney-fee provisions in insurance cases, shortens the statute of limitations for general negligence from four years to two, and adopts a modified comparative negligence standard with a greater-than-50% fault bar.
Uber said the reforms have led to direct savings for riders, since insurance costs are included in every trip. The company reports that since March 2025, Florida riders have saved “tens of millions of dollars.” Uber added that lower litigation-driven insurance costs are passed on to riders at checkout.
Fare trends in Florida have also improved. Since March 2025, Uber said the state’s year-over-year average fare change has been up to six percentage points lower than other states, measured by average fare per trip mile (after promotions) and excluding taxes and airport fees. “Riders in Florida are paying less,” Uber said.
Drivers are benefiting as well. Uber reports that many rideshare drivers in Florida are saving “hundreds of dollars less” annually on personal insurance premiums, and lower rider prices are driving more trip demand. Uber CEO Dara Khosrowshahi said drivers are completing more trips than ever, creating more consistent earning opportunities across the state.
Florida’s Office of Insurance Regulation reported broader auto-rate relief following the reforms. The agency said the top five auto insurers indicated an average -6.5% rate change for 2025, covering roughly 78% of the market. Approved reductions and rebates included State Farm decreases totaling more than 20% since 2024 (over $1 billion in savings), AAA reductions around 15%, and nearly $1 billion in credits recorded by Progressive.
Uber operates a multisided technology platform connecting consumers with rides, linking customers with restaurants and merchants for delivery services, and supporting freight logistics by matching shippers with carriers. The company said its technology facilitates connections across more than 70 countries and 15,000 cities worldwide.
