Bearing this in mind, the types of cheap car insurance packages offered by insurance companies in Florida are broad. Obviously if you are considered a low risk driver you will pay substantially less for your insurance than a high risk driver will. The category of risk you fall into is determined by the company when you fill out all the details to apply for an insurance policy with them. If you are considered a high-risk driver, you should expect to pay more living in Florida. Drivers who have bad driving records and are single are considered among those who are high risk and it will be more difficult to them to find cheap car insurance.