Best Car Insurance in Florida for Teen Drivers (2026)
State Farm, GEICO, and Allstate are all solid car insurance companies for teen drivers in Florida.
Secure. Free. Easy-to-use.
Excellent
)
Written byJacqueline DeMarco
)
Jacqueline DeMarcoFreelance Insurance Writer
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.
Featured in
){kind=small}
){kind=small}
)
Edited byKatie Powers
)
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ 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
){kind=small}
){kind=small}
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Table of contents
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 | 4.0 |
|---|---|
| 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. | 9.3 /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. | $106/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. | $116/mo |
4.0
Best choice in FloridaBased on 16,457 verified driver 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 in Florida 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 in Florida for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 reviews from Florida drivers - See all 7,291 State Farm reviews
Jacquelyn
Verified Review
Evaluation
Reviewed in Florida on March 23, 2026
My local agent is great. The national level, not so much. I was in an accident two years ago and was told I would get no help from your company even though I was not at fault and the other driver was cited. I never got reimbursed for my expenses to get home to Florida from Virginia.
Barbara
Verified Review
Competitors Admit They Can’t Compete with SF Prices
Reviewed in Florida on March 22, 2026
Tap into discount advantages, open to questions, respectful, responds in a timely manner, knowledgeable.
Rebscca
Verified Review
State Farm
Reviewed in Florida on March 22, 2026
The folks at the State Farm office are awesome. However, the insurance is way too expensive.
Linda
Verified Review
Reasonable Rates
Reviewed in Florida on March 21, 2026
My current rate is much more reasonable than other companies.
Troy
Verified Review
Great service, price is a little high
Reviewed in Florida on March 21, 2026
It's a little expensive.
Karen
Verified Review
Keep looking!
Reviewed in Florida on March 21, 2026
I worked for State Farm for 27 years. I don’t like change and I have stuck with them even after retirement. I don’t do much with my car insurance and just pay the prices. My problem would be with my homeowners after making changes to my house that I thought would lower my prices. It did not happen and I am quite disappointed about that because I put a lot of money out of my own pocket. Enough said.
Susan
Verified Review
It's been great
Reviewed in Florida on March 17, 2026
They're great, but a little expensive.
Nancy
Verified Review
Excellent
Reviewed in Florida on March 16, 2026
Excellent customer service.
Nannette
Verified Review
Review
Reviewed in Florida on March 13, 2026
Last year was okay, but I have not received my bill for this year. If it keeps going up, I will have to find another insurer. I am a senior on Social Security.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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. | $158/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 choice in FloridaBased on 16,685 verified driver 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 in Florida 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 in Florida for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 reviews from Florida drivers - See all 7,520 GEICO reviews
William
Verified Review
Excellent
Reviewed in Florida on March 26, 2026
I like them, but they're just too expensive.
Laura
Verified Review
Paying Too Much
Reviewed in Florida on March 21, 2026
Paying for a no-fault accident.
Gerald
Verified Review
Shop for insurance
Reviewed in Florida on March 21, 2026
Check around for lower prices.
Joseph
Verified Review
Great
Reviewed in Florida on March 21, 2026
Great customer support.
Jeff
Verified Review
Doubling my premium
Reviewed in Florida on March 20, 2026
I have GEICO. I had a very small accident and they doubled my insurance for two years. I don’t think that’s fair, considering I’ve had no claims in over 30 years.
Thelma
Verified Review
I have to say that GEICO responds quickly to an accident, but they are way overpriced. I thought if I stayed with them a little longer, the policy price would get better. Little did I know, it doesn’t work like that, and I’m 67 years old. All they worry about is getting their money, so this year I’m pretty sure I’m changing insurance companies. If it means getting rid of my car, at least I won’t have a car payment and I won’t have to worry about renewing insurance.
Reviewed in Florida on March 19, 2026
I have to say that GEICO responds quickly to an accident, but they are way overpriced. I thought if I stayed with them a little longer, the policy price would get better. Little did I know, it doesn’t work like that, and I’m 67 years old. All they worry about is getting their money, so this year I’m pretty sure I’m changing insurance companies. If it means getting rid of my car, at least I won’t have a car payment and I won’t have to worry about renewing insurance.
Patricia
Verified Purchase
I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.
Reviewed in Florida on March 12, 2026
I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.
John
Verified Review
GEICO, Best Insurance
Reviewed in Florida on March 9, 2026
Cheapest in Florida hands down. I’ve tried to get coverage from other carriers and they can’t beat it.
Gerald
Verified Review
Auto Tesla
Reviewed in Florida on March 9, 2026
Great service.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
629NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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 | 3.8 |
|---|---|
| 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. | 8.9 /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. | $185/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. | $202/mo |
3.8
A solid option in FloridaBased on 9,847 verified driver 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 in Florida 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 in Florida for
Accident forgiveness
Wide availability
Cheap rates
Showing 75 reviews from Florida drivers - See all 4,331 Allstate reviews
Donald
Verified Review
Too Little Too Late from Allstate
Reviewed in Florida on March 20, 2026
I’m no longer with Allstate. I switched to State Farm 2 years ago, who gave me a much better rate.
Miguel
Verified Review
Overall I rated Allstate 3.5 out of 5
Reviewed in Florida on March 18, 2026
I think customers must be informed of their options without reservation and not just focus on the bottom line for the company or representative. If a customer qualifies for a much lower rate according to all established rules, then why not go over it with the customer, explaining the details?
Gregory
Verified Review
Help from Rosa
Reviewed in Florida on March 17, 2026
Great, the agent I spoke with, Rosa, helped me and did a great job. She answered all my questions and was very polite and knowledgeable.
Sandra
Verified Review
Great Insurance Company
Reviewed in Florida on March 12, 2026
I have had Allstate since 1973, so I am really happy with my policy. No one else seems to meet the coverage and price.
Leslee
Verified Review
Basically satisfied with policy.
Reviewed in Florida on March 2, 2026
The experience has been very good; however, we feel like we need a policy that is more cost-effective.
Kenneth
Verified Review
Smug People Working in One Office
Reviewed in Florida on March 2, 2026
Allstate has a terrible crew. I never see the owner of the place, a smug guy that I don’t trust. Their prices are exceptionally high for nothing gained. I'm ready to find a new company to give my business to.
Joseph
Verified Review
Rising Rates, Zero Loyalty Considerations
Reviewed in Florida on March 1, 2026
They have been a good company for paying out on claims, but loyalty gets nothing in consideration to rates. I have been with them since 1982 and my rates are through the roof. They are always raising and NEVER offering a lower rate. I’m curious how much of my rate goes to agent commission.
Dan
Verified Review
Best Price
Reviewed in Florida on February 25, 2026
Best price.
Erica
Verified Review
Not great
Reviewed in Florida on February 16, 2026
They're okay. I was not successful in getting a better cost even though I've been with them for many years.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
643NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.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 | 4.6 |
|---|---|
| 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. | $220/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. | $240/mo |
4.6
Best choice in FloridaBased on 1,327 verified driver 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 in Florida 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 in Florida for
Numerous discounts
Gap insurance
Rideshare coverage
Showing 25 reviews from Florida drivers - See all 574 Travelers reviews
Patrick
Verified Review
Dissatisfied with premium
Reviewed in Florida on March 12, 2026
I am paying way too much for my policy. I’m retired, have no claims, no tickets, and I’m paying way too much through Travelers. If the policy amount is not reduced, I will go to someone else.
June-Ann
Verified Review
Good but..
Reviewed in Florida on March 10, 2026
It's a great company, but not the cheapest.
Glenn
Verified Review
Check Your Coverage Needs and Wants
Reviewed in Florida on March 1, 2026
Check all the coverage. Cheaper rates sometimes mean less or no coverage for some items.
John
Verified Review
Florida Auto Insurance is High!
Reviewed in Florida on February 25, 2026
Auto insurance in Florida is high to begin with, so shop around with several companies.
William
Verified Review
No loyalty at all
Reviewed in Florida on February 20, 2026
Increases premium every renewal.
John
Verified Review
My Experience, Maybe Not Yours
Reviewed in Florida on February 11, 2026
Travelers does not bother you, gives a one-year policy, and has no middleman to take some of your money.
Paul
Verified Review
OK, Not great.
Reviewed in Florida on February 9, 2026
It is fine. They just reduced my premium.
Jose
Verified Review
AAA+++
Reviewed in Florida on January 23, 2026
Superb customer service and excellent response during the claims process.
William
Verified Review
Always wanting more money
Reviewed in Florida on January 19, 2026
Expect an increase in premiums every 6 months regardless of your driving record.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
608NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0A.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. | $135/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. | $176/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 in Florida 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 in Florida for
Competitive rates
Easy buying process
Telematics program
Showing 75 reviews from Florida drivers - See all 8,242 Progressive reviews
Kevin
Verified Review
Unfair Premiums
Reviewed in Florida on March 24, 2026
It took weeks to resolve our claim back in October. I don’t appreciate my policy doubling in price. My wife and I drive no more than 3,000 miles a year each and are paying $3,465 annually. I don’t live in a flood zone, and our cars are in the garage.
Scott
Verified Review
Not Progressive, Run Away
Reviewed in Florida on March 23, 2026
Progressive is the most expensive and offers the lowest coverage. Plus, their roadside service is unreliable when you need help.
Jacobo
Verified Review
Skyrocket Policy
Reviewed in Florida on March 23, 2026
Try not to have accidents because the policy goes up a lot.
Jill
Verified Review
Excellent
Reviewed in Florida on March 18, 2026
I really like Progressive. They have a nice attitude.
Sandra
Verified Review
Too expensive compared to State Farm
Reviewed in Florida on March 15, 2026
I find this insurance carrier too expensive. I'm paying monthly way more than I did with State Farm, where I had full coverage.
Stephen
Verified Review
Don't Expect Discounts from a Flawed Program
Reviewed in Florida on March 14, 2026
The Snapshot program that is intended to get drivers discounts is fundamentally flawed. While I believe the intent of the Snapshot program is to encourage positive behavioral change, I find its execution—particularly the plug-in device with audible alerts—to be fundamentally flawed. My concerns focus on the audible alerts triggered during what the system classifies as “unsafe” driving events, most notably “hard braking.” During my participation in the program, I received multiple audible alerts attributed to hard braking. Upon reviewing the corresponding reports in the Snapshot mobile application, I observed that these alerts were recorded as hard-brake incidents. Because the application does not provide a data export function, I manually copied the event data to conduct my own review. In reviewing the overall data, approximately 90% of my recorded driving time resulted in a “Great job!” assessment within the application. Despite this, I was informed that my driving behavior placed me at risk for a premium increase. And yes, my premium has been increased despite having a clean and accident-free driving record.
Barbara
Verified Review
I was initially given a lower quote, but it has periodically increased despite my choosing lower coverage.
Reviewed in Florida on March 10, 2026
I was initially given a lower quote, but it has periodically increased despite my choosing lower coverage.
Robert
Verified Review
Finding Auto Insurance
Reviewed in Florida on March 8, 2026
When your insurance is due, unless you are extremely content, check with a few other places. If your insurance goes up for no apparent reason, check with your company or agent you are dealing with to find out why. If you find the same coverage cheaper elsewhere, before changing, again, contact your agent or company and see if they can match or do better. And always, look at the reviews of an agent or company before deciding. There are good and bad, and many to choose from, so try not to make a bad decision.
Larry
Verified Review
Review Claim Handled
Reviewed in Florida on March 8, 2026
The claim was handled with efficiency.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
587NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.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.
Join a parent’s insurance policy
When you insure more than one driver, the insurance company will often offer a discount.
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.
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.
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
Insurify partners with top insurers for real quotes
Excellent
4.7 out of 5 based on 12,935 reviews
Secure. Free. Easy-to-use.
How much is car insurance for a new driver in Florida?
On average, new teen drivers in Florida pay $285 per month for liability-only coverage and $353 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 $165 per month for liability coverage and $204 for full coverage.
For teen drivers, this monthly average is higher, at $285 for liability coverage and $353 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
)
Cheapest Florida Car Insurance Quotes From $106/mo.
February 24, 2026
)
Best Home and Auto Insurance Bundle in Florida
March 26, 2026
)
Cheapest Full-Coverage Car Insurance in Florida
March 9, 2026
)
Car Insurance Discounts for Florida Drivers
March 9, 2026
)
Find a Car Insurance Broker in Florida
March 9, 2026
)
Can I Drive in Florida With a Foreign License?
October 22, 2025
)
Best Car Insurance in Florida for Senior Drivers
March 26, 2026
)
Best Insurance for Antique and Classic Cars in Florida
March 26, 2026
)
Why Is Car Insurance So Expensive in Florida?
October 22, 2025
)
Uninsured Motorist Coverage in Florida
October 15, 2025
)
Non-Owner Car Insurance in Florida
March 26, 2026
)
How to Get a Florida Driver’s License
February 26, 2025
)
Best Car Insurance in Florida
March 26, 2026
)
How to Get Car Insurance in Florida
July 8, 2025
)
How Much Is Car Insurance for an 18-Year-Old in Florida?
March 9, 2026
)
Is Florida a No-Fault State for Auto Insurance?
February 27, 2025
)
Cheapest Low-Income Car Insurance in Florida
March 26, 2026
Temporary Car Insurance in Florida
March 26, 2026
)
Cheap SR-22 and FR-44 Insurance in Florida
March 26, 2026
)
Rideshare Insurance in Florida
March 26, 2026
Car Insurance Requirements in Florida
March 26, 2026
)
High-Risk Car Insurance in Florida Starting at $127
March 26, 2026
)
Compare Cheap Gap Insurance Companies in Florida
March 26, 2026
)
Car Insurance After a DUI in Florida
March 26, 2026
)
)
Cheap Car Insurance in West Palm Beach, FL, From $122
March 26, 2026
)
Cheapest Car Insurance in Winter Haven, FL,
March 26, 2026
)
Cheap Car Insurance in Tampa, Florida, From $135
March 26, 2026
)
Best Cheap Car Insurance in Tallahassee, FL, From $96
March 26, 2026
)
Best Cheap Car Insurance in Spring Hill, FL, From $118
March 26, 2026
)
Best Cheap Car Insurance in Sarasota, FL, From $86
March 26, 2026
)
Best Cheap Car Insurance in Saint Petersburg, FL, From $101
March 26, 2026
)
Cheapest Car Insurance in Riverview, Florida
March 26, 2026
)
Best Cheap Car Insurance in Pensacola, FL, From $100
March 26, 2026
)
Cheapest Car Insurance Quotes in Pompano Beach, FL
March 26, 2026
)
Cheap Car Insurance in Panama City, FL, Starting at $87
March 26, 2026
)
Cheap Car Insurance in Palm Bay, FL, Starting at $96
March 26, 2026
)
Best Cheap Car Insurance in Orlando, FL, From $121
March 26, 2026
)
Best Cheap Car Insurance in Ocala, FL, From $104
March 26, 2026
)
Cheap Car Insurance in Naples, FL, Starting at $97
March 26, 2026
)
Cheap Car Insurance in Miami, FL, Starting at $136
March 26, 2026
)
Best Cheap Car Insurance in Lakeland, FL, From $100
March 26, 2026
)
Best Cheap Car Insurance in Melbourne, FL, From $94
March 26, 2026
Best Cheap Car Insurance in Jupiter, FL, From $90
March 26, 2026
)
Cheap Car Insurance in Jacksonville, FL, Starting at $108
March 26, 2026
)
Best Cheap Car Insurance in Gainesville, FL, From $92
March 26, 2026
)
Best Cheap Car Insurance in Fort Myers, FL, From $103
March 26, 2026
)
Best Cheap Car Insurance in Fort Lauderdale, FL, From $121
March 26, 2026
)
Best Cheap Car Insurance in Daytona Beach, FL, From $102
March 26, 2026
)
)
Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "How to save money on car insurance."
- Florida Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
)
Jacqueline DeMarcoFreelance Insurance Writer
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.
Featured in
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ 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