It’s not just lower taxes that are luring millions of people into the Sunshine State. And it isn’t just the pleasant climate and the hundreds of miles of sandy beaches.

Governor Ron DeSantis just keeps finding smart ways to cut costs. He’s figured out how to slash insurance costs through lawsuit reforms.

This story explains how he’s delivering big insurance refund checks to Florida families:

“If you’ve been with Progressive this whole time, you’re going to get a bigger rebate,” DeSantis said. “It might be a check. It might be a credit on your bill. But the average Florida policyholder is going to see about a $300 rebate – and that’s just for Progressive.”

DeSantis said state regulators are now negotiating similar agreements with other major insurers, including Allstate, Liberty Mutual and State Farm, which have already filed average rate reductions of about 6.5% for 2025.

The governor credited the state’s tort reform laws, passed at the end of 2022 and early 2023, with helping drive those costs down.

“[Before these reforms] Florida represented 8% of claims nationwide but accounted for 78% of litigation costs,” DeSantis said. “That’s something policyholders end up paying. It’s basic economics.”

When you rein in abusive lawsuits, everyone wins (except the trial lawyers) — consumers, insurers, the economy. Litigation is a hidden tax. Reduce the tax and prices go down.  Simple.