Cheap Car Insurance for Teen Drivers in Florida (2026)

Cheapest car insurance for teens in Florida

An individual car insurance policy for teens in Florida averages $398 per month for full coverage and $232 per month for liability coverage.

Adding a young driver to a parent’s existing policy is usually cheaper than buying a separate policy. Florida teens save about $99 per month by staying on the family policy, according to Insurify data.

The following table shows the average cost of car insurance for teens in Florida, based on Insurify data.

The below rates in Florida are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT. 

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Progressive	$239	$136
State Farm	$245	$151
Mile Auto	$311	$167
Mercury	$316	$210
GEICO	$325	$159
Clearcover	$327	$134
Bristol West	$365	$233
National General	$366	$277
Direct Auto	$380	$224
Infinity	$399	$189
Root	$401	$222
The General	$417	$219
Embark	$431	$176
Allstate	$433	$268
GAINSCO	$482	$206
Liberty Mutual	$502	$387
AssuranceAmerica	$509	$280
Dairyland	$528	$170
Travelers	$542	$336
First Acceptance	$563	$386
Mendota	$588	$380

Disclaimer: Table data sourced from real-time Florida car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Florida may vary based on the policy buyer's unique driver profile.

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Best car insurance companies for teens in Florida

We chose the following best car insurance companies for Florida teens based on average rates, customer satisfaction, and the availability of teen-focused discounts, mobile tools, and safety programs.

State Farm: Best for car insurance discounts for teens in Florida

car insurance discounts for teens in Florida

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User Reviews	4.1 18,424 reviews
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.	$80/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.	$130/mo

Details

Driver Reviews

4.1

Best choice in FloridaBased on 18,424 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.0	3.2
Customer service	4.1	3.6
Discounts	3.7	2.9
Policy transparency	3.9	3.1
Value	3.7	2.9

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.

Based on analysis of verified reviews collected by Insurify

---

Best in Florida for

Customer service

Competitive rates

Discounts for safe drivers

Showing 75 reviews from Florida driversSee all 7,603 State Farm reviews

Miguel

Verified Review

Horrible

Reviewed in Florida on June 2, 2026

They are out of their minds offering that kind of coverage. If they want to compete with State Farm, they must provide better coverage with better prices.

James

Verified Review

State Farm - The Best Insurance!

Reviewed in Florida on May 31, 2026

I have been with State Farm for many, many years. I have checked all of the other companies that advertise that they will save me hundreds of dollars per year, and none of them have been able to do so.

Peggy

Verified Review

Excellent

Reviewed in Florida on May 31, 2026

Less money for the coverage than Geico or Progressive.

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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 offers several teen driver discounts to help you maximize savings, including a driver training discount and a good student discount. You can also enroll your teen in one or both of the company’s telematics programs to save even more.

Steer Clear is designed especially to train and educate young drivers, and Drive Safe & Save tracks driving behavior. Both programs offer feedback to help teenage drivers improve their driving skills.

Pros

• Multiple teen discounts available

• Long-term savings potential for safe drivers

• Many local insurance agents statewide

Cons

• Accident forgiveness not available

• Requires program participation for maximum savings

• Limited optional coverages

GEICO: Best for straightforward coverage for teens in Florida

straightforward coverage for teens in Florida

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User Reviews	4.2 18,497 reviews
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.	$91/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.	$186/mo

Details

Driver Reviews

4.2

Best choice in FloridaBased on 18,497 verified driver reviews and ratings

	GEICO's score	Industry average
Coverage options	4.0	3.2
Customer service	4.1	3.6
Discounts	3.7	2.9
Policy transparency	4.0	3.1
Value	3.8	2.9

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.

Based on analysis of verified reviews collected by Insurify

---

Best in Florida for

Teen drivers

Cheap rates

Accident forgiveness

Showing 75 reviews from Florida driversSee all 7,781 GEICO reviews

John

Verified Review

Unreasonable Rate Increases

Reviewed in Florida on June 1, 2026

Every year my insurance increased without me having tickets or accidents—none during my entire time with your insurance. However, my policy rate continued to go up every year. No thank you.

Saberina

Verified Review

Helpful service, but better value found elsewhere.

Reviewed in Florida on May 29, 2026

I’ve had a positive experience with Geico's customer service over the years, as they have always been helpful. However, I’m switching providers because I found a competitor offering more coverage for a better price. While the service is great, I feel their monetary value could definitely be better.

Steven

Verified Review

Good Car Insurance

Reviewed in Florida on May 29, 2026

They're really good at getting me the newest discounts. After checking with other companies, my renewal went down by $81.

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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 both full-coverage and liability-only insurance policies for teens, whether they purchase their own policy or their parents add them to an existing policy. In addition to good student and driver education discounts, teens may qualify for additional savings through GEICO’s DriveEasy program.

The company’s mobile app also makes it easy for teens to track their safe driving habits, obtain a digital ID card, and request roadside assistance when needed.

Pros

• Highly rated mobile app

• Easy mobile claims process

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

Cons

• Gap insurance not available

• DriveEasy rates can increase with risky driving

• Low Trustpilot rating

Allstate: Best for parental monitoring for teens in Florida

parental monitoring for teens in Florida

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User Reviews	4.2 10,914 reviews
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.	$140/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.	$226/mo

Details

Driver Reviews

4.2

Best choice in FloridaBased on 10,914 verified driver reviews and ratings

	Allstate's score	Industry average
Coverage options	4.0	3.2
Customer service	4.1	3.6
Discounts	3.8	2.9
Policy transparency	4.0	3.1
Value	3.7	2.9

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.

Based on analysis of verified reviews collected by Insurify

---

Best in Florida for

Accident forgiveness

Wide availability

Cheap rates

Showing 75 reviews from Florida driversSee all 4,465 Allstate reviews

Brenda

Verified Review

Definitely Would Recommend

Reviewed in Florida on June 2, 2026

Very responsive and open about options.

Richard

Verified Review

Lack of Integrity

Reviewed in Florida on June 1, 2026

I am now searching for new auto insurance with a price under $65 per month. That is what Allstate quoted me, but after the $95 initial cost, each month then went to $82.83, so they misled me.

Diana

Verified Review

Overpriced

Reviewed in Florida on May 17, 2026

Way overpriced. When I asked for a review for a possible rate adjustment, their first question was, "What is your level of education?" What in the world does that have to do with my ability to drive a vehicle?

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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 is a great option for parents who want more visibility into how their teen drives. Through its Drivewise telematics program, parents can monitor behaviors such as speeding, braking, and phone use.

The mobile app also offers crash detection, weather alerts, and roadside assistance. Teens can also get discounts for completing Allstate’s teenSMART driver training program and maintaining good grades.

Pros

• In-app crash detection and driver monitoring

• Telematics program offers teens immediate feedback

• Available accident forgiveness

Cons

• Many discounts depend on driver behavior

• Competitors may offer cheaper car insurance rates

• Potential mobile app privacy concerns

Best car insurance discounts for FL teens

Most insurers offer discounts that can help teen drivers in Florida lower their car insurance costs. But availability and savings vary by company.

Since insurers consider teens high-risk drivers due to their lack of experience and claim risk, they usually offer the best rates to students with good grades, safe driving habits, and driving experience or training.^[1] Below are some of the most common discounts:

• Good student discount: This discount rewards full-time students in Florida who maintain a good grade point average — typically a “B” average or higher.

• Telematics discount: Using apps like Drive Safe & Save, DriveEasy, and Drivewise, telematics programs track driving behavior such as speeding, hard braking, and phone use. Teens who safely navigate Florida roads can save up to 30%.

• Safe driver discount: Teens can keep their insurance rates lower by maintaining a clean driving record and avoiding at-fault accidents, speeding tickets, and driving under the influence (DUI) convictions. In Florida, teens can lose their license for up to one year with a blood alcohol content level of .02%. Teens who receive a moving traffic violation will also have to keep their learner’s permit for an additional year.

• Student-away-at-school discount: This discount lowers rates for college students who live on campus at least 100 miles from their Florida home and don’t have access to a car.

• Anti-theft device discount: With Florida having the fourth-highest vehicle theft rate in the country, an anti-theft device can help prevent someone from stealing your car while also lowering your premium.^[2]

Why is car insurance so expensive for teen drivers in Florida?

Florida requires higher liability limits than many states and also mandates personal injury protection (PIP) coverage. As a result, the Sunshine State has some of the highest car insurance premiums in the country.

Along with having the least driving experience, teen drivers in Florida have some of the highest accident rates of any driver age group.^[3] Despite making up only 5% of licensed Florida drivers, teens were in more than 11% of crashes in Florida in 2023, according to Florida Department of Highway Safety data.

For these reasons, Florida teens typically pay the highest auto insurance rates — even for minimum coverage.

Key factors contributing to Florida’s high car insurance prices for teens include:

• Required PIP coverage

• Higher crash rates among inexperienced young drivers

• Dense traffic and a high accident frequency

• High number of uninsured drivers, increasing insurer risk

• Costly and frequent injury claims

Florida car insurance requirements for teen drivers

Florida requires all drivers, including teens, to carry minimum insurance coverage to legally operate a vehicle. Teens must meet the same minimum requirements as adult drivers, whether they’re insured on their own or through a parent’s policy.

Check out the table below to see Florida’s minimum car insurance requirements for teenage drivers.^[4]

Coverage Type	Minimum Amount	Required or Optional?
Personal injury protection (PIP)	$10,000	Required
Property damage liability (PDL)	$10,000	Required
Bodily injury liability (BIL)	$10,000 per person / $20,000 per accident	Optional (but the state may require it for certain offenses like license suspension or causing an accident with injuries)

Florida’s graduated driver licensing (GDL) laws require teens to have a learner’s permit for 12 months or until they turn 18. Teens must also complete a driver education course and 50 hours of driving, including at least 10 hours at night.

Sixteen- and 17-year-olds can drive at night only when going to or from work or with a licensed adult driver aged 21 or older.

Consequences for teens driving without insurance in Florida

Teens caught driving without insurance in Florida can face license and vehicle registration suspension, reinstatement fees of up to $500, and possible court fines. Their insurer must also provide an SR-22 or FR-44 form as proof of insurance to have their license reinstated.

This usually involves a filing fee and often means higher insurance rates.

If a teen driver causes a crash with injuries or gets a DUI, they’ll have to carry higher coverage limits of up to 100/300/50. They may also face a longer driver’s license suspension.

How to get cheaper car insurance for teen drivers in Florida

While car insurance can be expensive for teen drivers in Florida, you can typically find ways to lower your rates. Here are a few tips to get cheap car insurance, even with a teenager on your auto insurance policy.

Shop around for quotes

The most important thing you can do to save money is comparison shop when your car insurance policy renews. Comparing coverage options and rates from multiple auto insurance companies is the best way to get the cheapest coverage for teenage drivers in Florida.

Drive an older car

While used cars may not have as many safety features as newer models, they’re usually cheaper to insure. If you own an older car outright and can afford to replace it out of pocket, you may not need comprehensive and collision coverage.

The Toyota Corolla and Camry are two of the most popular cars in Florida, and they’re also among the cheapest and safest for teens.

Raise your deductibles

If you lease or finance a vehicle in Florida, your lender will likely require full coverage, which includes liability, collision, and comprehensive coverage. Although raising your comprehensive and collision deductibles will lower your premiums, make sure you can afford to pay the higher out-of-pocket cost if you file a claim.

Stack discounts

Adding a teen driver to a parent’s policy can unlock multiple Florida car insurance discounts. Many of them can stack to maximize savings.

Most Florida insurers offer multi-car discounts to drivers who insure more than one vehicle, multi-policy discounts for bundling homeowners or renters insurance, and loyalty discounts for long-term customers.

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Should your teen be on your policy or buy their own?

Florida teens who aren’t yet age 18 can’t buy their own auto insurance policy without written consent from a parent or guardian. Also, it’s usually cheaper for teens to be on their parent’s policy than to buy one on their own.

Take a look at the table below to see average full-coverage rate comparisons for teens in Florida, according to Insurify data.

Policy Type	Average Monthly Full-Coverage Cost	Average Yearly Full-Coverage Cost
Teen on family policy	$296	$3,547
Teen on own policy	$394	$4,729
Cost difference	$99	$1,182

Disclaimer: Table data is based on real-time Florida quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

A separate policy might make sense if the vehicle is in the teen’s name, the teen lives at a different address than the parents, or the teen isn’t a student.

Even if your teen gets their own policy, you can still help figure out how much car insurance your young driver needs and how to get the cheapest rates.

Cheap car insurance for teen drivers in Florida FAQs