The cost of insurance in Florida is relatively high when compared to other states. This is due, in part, to the state's large population and high number of drivers on the road. In addition, Florida has a higher than average rate of accidents and traffic violations. As a result, insurance companies charge higher premiums to cover the increased risk. There are a few ways to save on car insurance in Florida. One is to shop around and compare rates from different companies. Another is to take advantage of discounts offered by insurers.