The Insurance Research Council (IRC), a not for profit, funded by the insurance industry released an index showing Florida has the second highest car insurance rates in the country. On average, Floridians spend 2.67% of their household income on car insurance. Of course, the IRC not a trustworthy source, claims that insurance fraud and medical buildup are two major factors. They go on to claim that these factors are difficult to measure. However, isn't it possible that the lack of public transportation is a major factor in Florida. If you live in Florida that means you drive your car everywhere you go. The frequency of usage must be the number one factor driving up costs. Introducing clean, efficient and abundant public transportation to Florida would cut down the need to drive to work and other places which would cut down on accidents and costs to insurance companies. Politicians fight against public transit calling such measures to be tax increases, but the reality is that a few cents of sales tax is significantly less than 3% of your household income every year. Unfortunately, the insurance industry is against public transit initiatives because they are still making billions of dollars in profits off of Floridians who continue to pay these exorbitant premiums. Introduction of public transit would decrease the need to drive which would decrease the cost of insurance which would save significant money for Floridians. That combined with remote working could be a changer in Florida's auto insurance landscape, but that is unlikely to happen with the current political power occupying Tallahassee.