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.
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Written byJacqueline DeMarco
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Jacqueline DeMarcoFreelance Insurance Writer
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
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Edited byKatie Powers
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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
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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. | $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 |
4.1
Best choiceBased on 17,979 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 For
Showing 75 reviews from Florida driversSee all 7,533 State Farm reviews
Verified Review
Reviewed in Florida on May 11, 2026
Expensive. The company has always been easy to work with. I'm not as thrilled with my current agent as I was with my former one. They were superb; unfortunately, they retired.
Verified Review
Reviewed in Florida on May 10, 2026
Haven't had any issues.
Verified Review
Reviewed in Florida on May 5, 2026
You can be with State Farm for 15 years for cars and home insurance, but when you have a claim, you will get 15 numbers and 15 people to deal with. Parts that are obviously damaged are not quoted, and you start with back and forth emails.
…
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 | 4.2 |
|---|---|
| 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. | $185/mo |
4.2
Best choiceBased on 18,117 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 For
Showing 75 reviews from Florida driversSee all 7,728 GEICO reviews
Verified Review
Reviewed in Florida on May 10, 2026
Make sure your needs are properly insured and don't allow them to underinsure your policy.
Verified Review
Reviewed in Florida on May 7, 2026
$54 per month. No one has beaten it.
Verified Review
Reviewed in Florida on May 3, 2026
It's hard to remove someone from the policy. It took a minute to add them, but you have to jump through hoops and provide paperwork to get them off.
…
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 | 4.2 |
|---|---|
| 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. | $139/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 |
4.2
Best choiceBased on 10,679 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 For
Showing 75 reviews from Florida driversSee all 4,439 Allstate reviews
Verified Review
Reviewed in Florida on April 27, 2026
I have an old car, no accidents, and an excellent driving record, yet I receive poor and expensive rates!
Verified Review
Reviewed in Florida on April 26, 2026
Allstate has really good coverage for an affordable price.
Verified Review
Reviewed in Florida on April 25, 2026
Far too expensive for me right now.
…
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 | 4.3 |
|---|---|
| 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. | $166/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. | $269/mo |
4.3
Best choiceBased on 1,484 verified driver reviews and ratings
Travelers's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 3.9 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 29 reviews from Florida driversSee all 606 Travelers reviews
Verified Review
Reviewed in Florida on May 7, 2026
They are competitive with other companies.
Verified Review
Reviewed in Florida on April 29, 2026
They do not respond to email. The good thing is they offer a one-year policy, which is much better than a six-month policy.
Verified Review
Reviewed in Florida on April 25, 2026
Very helpful in billing and quite clear in the process. Notice of due payments and billing is great!
…
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. | $79/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. | $140/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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 75 reviews from Florida driversSee all 8,480 Progressive reviews
Verified Review
Reviewed in Florida on May 5, 2026
Progressive is good, but expensive, and they did not keep their word about a discount for an item I kept plugged into my vehicle. I hardly drive my personal vehicle as I work a lot and have a company truck.
Verified Review
Reviewed in Florida on April 29, 2026
Great
Verified Review
Reviewed in Florida on April 28, 2026
Good. Better prices than Allstate and Progressive.
…
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
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How much is car insurance for a new driver in Florida?
On average, new teen drivers in Florida pay $232 per month for liability-only coverage and $399 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 $136 per month for liability coverage and $234 for full coverage.
For teen drivers, this monthly average is higher, at $232 for liability coverage and $399 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]
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."
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Jacqueline DeMarcoFreelance Insurance Writer
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Featured in
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
Featured in