Marc D. Giller, a Florida resident, reported on the social media platform X that a new Progressive premium reduction linked to tort reform will save him more than $400 annually on auto insurance.
“I just got my premium reduction notice from Progressive,” said Jack Hammer, Citizen. “Thanks to tort reform, I’ll be saving over $400 per year!”
According to the Florida Senate, Governor Ron DeSantis signed House Bill 837 into law, implementing extensive tort reform across Florida’s civil justice system. The legislation reduces the statute of limitations for negligence cases, modifies comparative negligence rules, tightens standards for bad-faith lawsuits, and significantly limits one-way attorney fees in most insurance cases. Supporters argue these reforms will decrease frivolous litigation, lower legal costs, and create a more predictable environment for insurers. This is expected to facilitate premium relief in property and auto lines as competition returns to the state.
Florida’s auto market is experiencing a turnaround similar to what drivers are observing on their Progressive bills. The Office of Insurance Regulation reports that for 2025, the top five auto writer groups, representing 78% of the market, are projecting an average rate change of -6.5%, following a +31.7% increase in 2023. Personal auto liability loss ratios have fallen to approximately 53.3%, the lowest in the nation. These improvements are attributed to “historic legislative reforms” led by Governor DeSantis that reduced litigation and claim costs, enabling genuine premium reductions. Consumer-friendly reciprocal exchanges can pass these lower losses directly back to member-drivers through better rates and credits.
According to The Florida Senate, Governor DeSantis announced that Progressive will return nearly $1 billion in premium credits and rebates to Florida drivers. He credited litigation and tort reforms with reducing claims costs and allowing significant rate relief. State regulators report that Florida’s top five auto writers are forecasting an average rate decrease of 6.5% for 2025—a stark contrast from previous years’ double-digit increases—highlighting how policy changes are beginning to result in lower bills for many motorists.
The X user behind this post, known as Hammerjack (@Hammerjack90), is an active conservative commentator who frequently engages with news and policy threads involving media, free speech, and Republican leaders such as Governor DeSantis. His timeline combines original commentary with quotes from right-of-center outlets; this post about saving more than $400 per year underscores his recurring theme of highlighting tangible consumer benefits he associates with Florida’s tort and insurance reforms.
