U.S. tort litigation costs reached $655.6 billion in 2025, with the U.S. Chamber of Commerce citing a $4,900 annual household burden and pointing to Florida's 2023 civil justice reforms as a potential model for state-level cost reduction.
The study puts 2025 US tort costs at $655.6 billion, 2.12% of GDP, growing 7.8% annually since 2019, with much of the burden landing in insurance premiums — a headwind for liability insurers' loss costs. However, the report is an advocacy study with no new regulation attached, and it highlights that Florida's 2023 reforms cut tort costs from 3.35% to 3.11% of state GDP, which could offset pressure if copied by other states.
No. It is a research study showing tort costs of $655.6 billion in 2025 growing 7.8% a year, but it announces no new law or rule, so the effect on insurers is gradual and depends on whether states adopt reforms like Florida's.
A new report from the U.S. Chamber of Commerce reveals that national tort litigation costs reached $655.6 billion in 2025, representing 2.12% of GDP. These costs have surged at an annual rate of 7.8% since 2019, significantly outpacing inflation and placing an estimated $4,900 annual financial burden on the average American household through higher insurance premiums and consumer prices.
No. It is a research study showing tort costs of $655.6 billion in 2025 growing 7.8% a year, but it announces no new law or rule, so the effect on insurers is gradual and depends on whether states adopt reforms like Florida's.