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Best Car Insurance in Florida for Teen Drivers (2025)

State Farm, GEICO, and Allstate are all solid car insurance companies for teen drivers in Florida.

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Jacqueline DeMarco
Jacqueline DeMarco
  • 13+ years writing insurance and personal finance content

  • Insurance, lending, and retirement expert

Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.

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Katie Powers
Edited byKatie Powers
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Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Shopping for car insurance can be difficult no matter your age, but teen drivers and their parents have to deal with especially high average rates.[1] Insurify analyzed 50 car insurers to determine the best car insurance companies in Florida for teen drivers.

Here’s what you need to know about finding cheap coverage in Florida for young adults from the best car insurance companies.

Best car insurance companies in Florida for young adults

When searching for the best car insurance companies, it’s important to spend some time shopping around for the right company. It’s a good idea to compare quotes from at least three different insurers to see which one can offer you the best price.

You should look for an insurance company with cheap average rates and quality coverage offerings. Start your search for the best car insurance in Florida below.

State Farm: Best overall

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$110/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$118/mo
4.1
Best choiceBased on 12,804 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,584)
Alfonzo
Verified Review
Bad Insurance Experience
Reviewed in West Virginia on December 2025
Not good. I was told that my insurance was going to be $280.00 a month, but it was actually $494.00.
Tracy
Verified Review
Look what Wildbowilly found
Reviewed in Texas on December 2025
I would highly recommend State Farm. The staff at Steelhammer in Victoria, Texas is great. There is none better in the insurance company game. The rates I have received there are very spot on, and I'm really very satisfied. So State Farm, keep up the good work.
Steven
Verified Review
Great Insurance
Reviewed in Minnesota on December 2025
No issues at all.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm is a great choice for young Florida drivers because it offers a variety of teen-friendly discounts, digital tools like a mobile app to track driving habits, and financial stability. Parents can have peace of mind while their teen is on the road thanks to 24/7 customer support from a trusted insurance company with more than 100 years of experience.

Pros
  • 24/7 phone-based customer support

  • AM Best financial strength rating of A++ (Superior)

  • Various bundling and discount opportunities

Cons
  • Gap insurance not available

  • Mixed customer reviews on Trustpilot

  • No rewards program for long-term customers

GEICO: Best for teens on their own policy

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.2 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$167/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$179/mo
4.0
Best choiceBased on 13,427 verified guest reviews and ratings
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,905)
Deborah
Verified Review
Check around before you buy
Reviewed in Florida on December 2025
The rates are way too high for one person with a clean driving record and nothing on it.
Kiran
Verified Review
Reduce the Price
Reviewed in Maryland on December 2025
Too pricey for good drivers.
James
Verified Review
Why We Stay with GEICO
Reviewed in Florida on December 2025
We love GEICO. We have been with them forever. We check other carriers once or twice a year, and no one else can compare.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
629
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

GEICO offers Florida drivers affordable rates. This is a huge win for teens paying monthly premiums for an insurance policy separate from their parents’ coverage. Teens who want to save more can look into GEICO’s more than 30 discounts, including savings for completing a defensive driving course, maintaining a clean driving record, and having safety features like anti-lock brakes or anti-theft systems.

Pros
  • Many available discounts

  • Above-average J.D. Power customer satisfaction rating in Florida

  • Can access your policy online 24/7

Cons
  • Live customer support is difficult to access

  • Gap insurance not available

  • Many teens can’t take advantage of bundling discount

Allstate: Best for good students

User Reviews
3.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$192/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$205/mo
3.9
A solid optionBased on 7,789 verified guest reviews and ratings
How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,950)
Rodney
Verified Review
Safeco's Auto Insurance Experience
Reviewed in New Mexico on December 2025
Safeco is a great company for auto insurance, but I had a bad experience with their homeowners insurance. I had hail damage three years ago, and they did not pay anything. I was disappointed with their service.
William
Verified Review
Excellent
Reviewed in Ohio on December 2025
I would stay with them, but I can only afford so much when you are on a fixed budget. I'm on SSI.
Victoria
Verified Review
Allstate is a rip-off
Reviewed in New Jersey on December 2025
The rates go up every 6 months when the policy renews. The only way you can get any kind of break is by allowing them to track your every move while driving and do everything by computer. I guess they are trying to save trees.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
643
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company

Allstate makes the traditional “good” student discounts much more accessible with its smart student discount. Unmarried drivers younger than 25 can qualify for this discount by maintaining a B- average or higher, completing the teenSMART driver education program, or attending school at least 100 miles from their car’s garage location.

Pros
  • Bundling available

  • Rideshare insurance available

  • Above-average J.D. Power customer satisfaction rating in Florida

Cons
  • Below-average J.D. Power claims satisfaction rating

  • Some negative customer feedback on Trustpilot and the Better Business Bureau (BBB)

  • More expensive average rates than some competitors

Travelers: Best for teen drivers with an incident

User Reviews
4.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$228/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$244/mo
4.8
Best choiceBased on 1,007 verified guest reviews and ratings
How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (508)
Andrea
Verified Review
Too Pricey
Reviewed in Ohio on December 2025
Pricing is way too high according to others.
Larry
Verified Review
My Travelers
Reviewed in Georgia on December 2025
The on-road service has been disappointing if you always have to wait 2-3 hours. Last week, I had a jump battery in Hapeville, GA, and the person was there in ten minutes! However, I have had to call my own towing company twice after waiting for two hours for Travelers.
Jeff
Verified Review
Nothing bad to say
Reviewed in California on December 2025
I feel like they should have looked into ways to save us money.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
608
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Travelers is a solid car insurance option for teen drivers with a driving incident on their record. Travelers offers accident forgiveness and minor violation forgiveness coverage that can help teens avoid premium increases after their first accident or violation. Additional features from the insurance company can provide more peace of mind, including its decreasing deductible and total loss deductible waiver.

Pros
  • Multiple student discounts

  • Gap coverage available

  • Bundling available

Cons
  • Below-average J.D. Power customer satisfaction rating in Florida

  • Rideshare insurance not available in Florida

  • Unimpressive App Store reviews

Progressive: Best for multi-car policies

JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
587
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.7 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$152/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$222/mo
How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (7,522)
Michael
Verified Review
Get a horse.
Reviewed in Alabama on December 2025
I have no tickets or accidents, yet the prices keep going up!
Robert
Verified Review
Insurance
Reviewed in South Carolina on December 2025
Not cheap, but they get the job done.
Virginia
Verified Review
Progressive Review
Reviewed in North Carolina on December 2025
I feel over the years I have had several car insurance policies. Progressive has been the best.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
587
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Progressive is a great choice for households with multiple cars. The company offers an average of 12% in savings for drivers who insure more than one vehicle on the same insurance policy. You can add cars owned by family members, spouses, or roommates as long as they’re kept at your address. This can help everyone save on car insurance.

Pros
  • Teen-friendly mobile app with high ratings

  • AM Best financial strength rating of A+ (Superior)

  • 24/7 customer support

Cons
  • Below-average J.D. Power customer satisfaction ratings in Florida

  • Mixed customer reviews on the Trustpilot and BBB websites

  • Higher average rates for teens than some competitors

  • Our editorial team analyzed regional and national auto insurance companies that sell policies in Florida to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.

How young drivers can save on car insurance

Understandably, many young drivers look for ways to lower their car insurance costs. You can potentially earn savings by taking several different steps. Learn more about ways for young drivers to lower premium costs below.

  • illustration card https://a.storyblok.com/f/162273/150x150/f333477896/family-96x96-green_040-couple.svg

    Join a parent’s insurance policy

    When you insure more than one driver, the insurance company will often offer a discount.

  • illustration card https://a.storyblok.com/f/162273/x/d980bd9cc4/membership.svg

    Ask about discounts

    An insurance agent can provide more information about what car insurance discounts your whole family, including young drivers, can benefit from. Young drivers in Florida can potentially save on car insurance with the help of good student, defensive driving, driver education, bundling, telematics, and low-mileage discounts.

  • illustration card https://a.storyblok.com/f/162273/150x150/28fd0b0ea3/car-and-driving-96x96-blue_023-driving-test.svg

    Keep a safe driving record

    Most drivers see their car insurance rates decrease with age as they gain more driving experience. But that only applies if they practice safe driving habits. Teens and young adults should avoid accidents, speeding tickets, and DUIs if they want to stay safe on the road and save money.

  • illustration card https://a.storyblok.com/f/162273/150x150/8055843166/car-service-96x96-orange_040-garage.svg

    Bundle policies

    Parents can bundle other insurance products they already pay for, like homeowners insurance, with their auto insurance policy to qualify for a bundling discount. Young adults who live separately from their parents can often bundle a renters insurance policy to save.[2]

Find Cheap Car Insurance in Florida

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How much is car insurance for a new driver in Florida?

On average, new teen drivers in Florida pay $270 per month for liability-only coverage and $351 for a full-coverage insurance policy. It’s important to note that how much you’ll spend varies based on factors like your ZIP code, driving record, age, vehicle make and model, and more.

Like most states, Florida has faced increasing car insurance rates in recent years. The average cost of full-coverage car insurance in Florida increased by 9% from 2023 to 2024, according to Insurify’s latest car insurance report. Insurify estimates that Florida drivers will experience an additional 10% increase in premiums in 2025.

Best car insurance in Florida for teens FAQs

The following information can help answer your remaining questions about car insurance for teen drivers.

  • How much is car insurance in Florida?

    The average cost of car insurance in Florida is $157 per month for liability coverage and $204 for full coverage.

    For teen drivers, this monthly average is higher, at $270 for liability coverage and $351 for full coverage.

  • What are the best car insurance companies in Florida for young drivers?

    Allstate, State Farm, GEICO, Travelers, and Progressive are great auto insurance companies for young drivers. They offer a variety of student-friendly discounts, opportunities to save by taking defensive driving courses, and teen-friendly tech support and apps.

  • What car insurance discounts are available in Florida for young drivers?

    Young drivers in Florida can save on their car insurance premiums by seeking out discounts specifically designed to help young adult and teen drivers save. Young drivers may qualify for discounts for good grades (student discount), driver’s education courses, safe driving records, bundling policies, low mileage, being accident-free, or joining a parent’s policy.

  • How much car insurance do you need in Florida?

    To drive legally in the state of Florida, you must meet minimum coverage requirements. Florida drivers need to have at least $10,000 in personal injury protection coverage and $10,000 in property damage liability coverage.[3]

Related articles

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. Insurance Information Institute. "How to save money on car insurance."
  3. Florida Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Jacqueline has been a contributor at Insurify since October 2022.

Katie Powers
Edited byKatie PowersSenior Editor
Photo of an Insurify author
Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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