Protecting American Consumers Together shared an op-ed from Georgia Insurance Commissioner John F. King that credited the state’s 2025 lawsuit reforms with driving insurance rate reductions for consumers.
According to Protecting American Consumers Together, Georgia drivers have seen insurance rate reductions since the 2025 lawsuit reforms. State Farm customers received over $400 million in savings, with the average family seeing about $190 per insured vehicle. Allstate filed a 5% reduction impacting tens of thousands of drivers and generating an estimated $17.7 million in savings. Travelers received approval for a 10% rate decrease, resulting in more than $40 million in savings for Georgia families.
The reforms, SB 68 and SB 69, were enacted by Gov. Brian Kemp in April 2025 and aimed to address lawsuit abuse and improve the legal climate in the state, as reported by the group.
PACT also said the reforms have helped Georgia move away from its previous designation as a “judicial hellhole”— a term coined by a legal reform advocacy group. The organization added that additional rate filings, including decreases from Liberty Mutual and Safeco, are helping stabilize the insurance market and lower costs for consumers and businesses amid broader efforts to curb litigation expenses that it says previously drove up premiums.
Protecting American Consumers Together is a national 501(c)(4) advocacy and educational organization focused on legal system reforms. According to the group’s website, it works to expose what it calls predatory legal practices and advocates for changes to ensure fairness and transparency in the justice system.
