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How Much Is Car Insurance for a 16-Year-Old in Florida?

Car insurance in Florida costs $353 per month for full coverage and $285 for liability-only coverage for a 16-year-old driver. But other factors influence your rates.

Alani Asis
Written byAlani Asis
Alani Asis
Alani AsisFreelance Personal Finance and Insurance Writer
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  • Bylines in top personal finance publications

Alani specializes in writing empathetic, actionable articles about insurance and personal finance. Her work has appeared in top publications like U.S. News and Fortune.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
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John Leach
Reviewed byJohn Leach
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The average monthly cost of car insurance in Florida for a 16-year-old driver is $353 for full coverage and $285 for liability-only insurance. But you may pay more or less for your teen’s insurance policy. This is because car insurance companies look at factors like driving history, vehicle type, and other factors to calculate premiums.

Whether your teen joins your insurance policy or gets their own also affects your insurance rate. Learn more about how insurers price your policy and where to get the best and cheapest car insurance.

Find Car Insurance for a 16-Year-Old in Florida

Liability rates for teens start at $201 per month

Excellent
4.7 out of 5 based on 12,752 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

How much is car insurance for a 16-year-old in Florida?

The average cost of car insurance for a 16-year-old driver in Florida is $318 per month. The table below shows the average monthly cost of coverage for Florida teen drivers from different companies.

The below national rates are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 
Insurance Company
sort ascsort desc
Average Monthly Quote: Full Coverage
sort ascsort desc
Average Monthly Quote: Liability Only
sort ascsort desc
State Farm$220$201
Progressive$304$233
GEICO$312$276
Mile Auto$341$260
Mercury$346$286
Allstate$391$358
Direct Auto$393$295
National General$415$357
Bristol West$416$305
The General$436$294
GAINSCO$474$253
Infinity$474$326
Travelers$489$448
Root$498$382
Liberty Mutual$559$555
Embark$576$235
AssuranceAmerica$588$372
First Acceptance$636$536
Mendota$643$476
Dairyland$802$491
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cost of adding a teen to parents’ policy vs. their own policy

Parents will likely see more expensive average annual car insurance premiums after adding a teen driver. But this is usually cheaper than having teens buy their own policy.

Be aware that if your teen gets into a car accident, your car insurance rates may increase even more. Speeding tickets and DUIs also lead to higher rates.

The table below compares premiums for parents with a teen driver, parents without a teen driver, and a teen driver with their own insurance policy.

Drivers
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
Two parents + a teen driver$296$599
Two parents$157$316
Teen driver on their own policy$184$372
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Best car insurance for 16-year-olds in Florida

The “best” car insurance for a 16-year-old driver in Florida has several characteristics. For example, it may offer teen-specific discounts or rewards, competitive rates, and driver education programs.

As you begin your search, start with the insurers listed below based on what’s most important to you.

Best for Florida teens overall: GEICO

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.
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
3.9
A solid option in FloridaBased on 16,435 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 7,480 GEICO reviews
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.
Harley
Verified Review
Too expensive
Reviewed in Florida on March 9, 2026
I have not had any issues with Progressive. They are definitely cheaper than GEICO.
Andrzej
Verified Review
Lack of contact with agent is a big minus.
Reviewed in Florida on March 8, 2026
I am using the GEICO app and constantly getting messages asking me to install this app. Lately, they asked me to pay $7 (and some change) for something I don’t understand. It's impossible to find a phone agent to ask for an explanation.
Zaqueo
Verified Review
Happy
Reviewed in Florida on March 8, 2026
They have good prices and good customer service.
Mary
Verified Review
No contact with a human to answer questions.
Reviewed in Florida on March 8, 2026
I have attempted to reduce my costs because I don’t drive more than 50 miles a week. No one responds.
Roger
Verified Review
Raising rates for no reason other than greed
Reviewed in Florida on March 5, 2026
Rates just kept going up and up for no reason. Just corporate greed. Progressive is even worse. Dropping Progressive currently. Found insurance for $60 a month less with a lesser-known company.
John
Verified Review
Discounts for Auto Insurance
Reviewed in Florida on March 4, 2026
All was good until my policy lapsed for two or three days because I was in the hospital. Then, all of a sudden, my insurance jumped forty dollars a month, and it has remained there for some time. I feel like I am not getting the discounts that I should be receiving. I have had no tickets or accidents in over five years, yet I'm still paying a very high price for the cheapest insurance I could get. I shop all the time for insurance because I feel that Geico is not offering me the best deal.
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 has the lowest car insurance rate for teens in Florida. The company also offers many discounts for more savings, like the good student and multi-vehicle discounts.

Pros
  • Accident forgiveness available

  • Above-average J.D. Power customer satisfaction rating in Florida[1]

  • Many discount opportunities for teens

Cons
  • Lots of negative customer reviews

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

  • Gap insurance not available

Best for good students: State Farm

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 16,176 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 7,246 State Farm reviews
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.
Sandrs
Verified Review
Five Star Insurance Agency
Reviewed in Florida on March 11, 2026
Noelle is five-star excellent in every way and totally represents State Farm.
Sally
Verified Review
Frustrated with Insurance Companies
Reviewed in Florida on March 9, 2026
Car insurance, so far, is fine with State Farm. It's the homeowners policies I'm frustrated about. State Farm is higher priced and after about 40 years of paying them, when I needed help for the first time, they paid and then dropped me. Not okay!
Gary
Verified Review
Good customer service
Reviewed in Florida on March 8, 2026
Raised my rates without explaining why.
John
Verified Review
Price
Reviewed in Florida on March 7, 2026
You need to search the internet every 6 months as every auto insurer is raising prices differently.
Tajmahl
Verified Review
Rip-off
Reviewed in Florida on March 4, 2026
Not great, but better than $300 a month.
Rosemary
Verified Review
Too Expensive
Reviewed in Florida on March 1, 2026
Very expensive. I've been with State Farm for over 40 years with no claims, and they are still raising rates on me.
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 a good student discount, which can save you as much as 25% on your car insurance policy. Student policyholders can qualify until age 25.

Pros
  • Rideshare insurance available

  • Cheap rates for most Florida drivers

  • Several discounts for young drivers

Cons
  • Limited coverage options

  • No accident forgiveness and gap insurance

  • Doesn’t sell through independent agents

Best for safe teen drivers: Root

User Reviews
3.4
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.
7.9 /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.
$227/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.
$296/mo
3.4
A solid option in FloridaBased on 1,180 verified driver reviews and ratings
How drivers feel about Root

Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.

AI-generated from the text of verified reviews collected by Insurify
Best in Florida for
Usage-based insurance
Safe drivers
Cheap rates
How drivers feel about Root

Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.

AI-generated from the text of verified reviews collected by Insurify
Best in Florida for
Usage-based insurance
Safe drivers
Cheap rates
Showing 9 reviews from Florida drivers - See all 513 Root reviews
Thomas
Verified Review
I spend $85 more than the average driver in my area
Reviewed in Florida on February 4, 2026
Root is expensive.
Elaine
Verified Review
Root Insurance Needs Much Improvement
Reviewed in Florida on January 28, 2026
Tips I would give a friend: only go with Root if you're okay with having your bill on auto-pay and if you're okay with not being able to make any kind of payment arrangements. You have to go through the app to pay your bill, etc., because they don’t handle that over the phone, which, in my opinion, defeats the purpose of having customer service to call because they can’t do anything to help you. They need much improvement. I would suggest to anyone to use Root Insurance as a last resort.
Francis
Verified Review
More for less
Reviewed in Florida on January 14, 2026
Looking for lower monthly rates for state minimum coverage.
Brenda
Verified Review
Discrimination Against the Elderly
Reviewed in Florida on January 10, 2026
Not happy. I'm an excellent driver with no accidents, no tickets, and no drugs. I drive less than 5,000 miles per year, and they raised the cost.
William
Verified Review
Beware of Root Insurance
Reviewed in Florida on December 9, 2025
After purchasing the policy, they increased the amount owed by having a system that monitors vehicle driver habits. Looking to drop them as soon as I find another coverage policy.
Robin
Verified Review
Nothing bad...
Reviewed in Florida on October 29, 2025
Good experience, nothing bad to say. My bill has been going down every year as well.
Joao
Verified Review
Terrible
Reviewed in Florida on October 19, 2025
They increased the price on the second payment.
Walter
Verified Review
My experience was poor. They increased my insurance even though I've moved to Florida. They said I have to wait 60 days to switch my insurance.
Reviewed in Florida on April 4, 2025
My experience was poor. They increased my insurance even though I've moved to Florida. They said I have to wait 60 days to switch my insurance.
Rusty
Verified Review
Root is Too Expensive
Reviewed in Florida on April 3, 2025
Root is too expensive. I'm switching to Direct Auto. Root doesn't compare to them. I'm going to let all my social media followers know as well. Please stop your aggressive campaigns!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.93
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).
NR
Why we picked this company

Root relies more heavily on driving habits than age to determine your insurance policy price. This means teens with good driving habits may find lower rates with Root than with a traditional insurance company.

Pros
  • Offers usage-based discounts

  • Excellent reviews on Trustpilot

  • Offers a good student discount of up to 25%

Cons
  • Limited coverage options

  • No AM Best or J.D. Power Ratings

  • May not cover high-risk drivers

Best for building driving skills: Allstate

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 9,696 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 4,311 Allstate reviews
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.
Linda
Verified Review
Poor
Reviewed in Florida on February 16, 2026
Allstate is more expensive than all others except AAA, which is higher.
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 offers several programs that can help teens build their confidence on the road. One is Drivewise, which tracks driving habits and rewards good driving with premium discounts. Another is teenSMART, an online driver safety program that helps teens reduce accidents on the road.

Pros
  • Lots of discount opportunities

  • Offers classic car insurance

  • Offers pay-per-mile insurance

Cons
  • Lots of negative customer reviews

  • May not be the cheapest insurance company in Florida

  • Non-owner coverage not available

  • Our editorial team evaluated 150-plus regional and national car insurance companies. Our verified user reviews factor significantly into how we select the best auto insurers. So far, we’ve collected more than 55,000 reviews of 100-plus insurers. We also assess rate affordability, coverage options, available discounts, customer satisfaction rankings, and financial strength.

Factors affecting insurance rates for 16-year-olds in Florida

Car insurance costs won’t be the same for every 16-year-old driver in Florida. These are some factors that affect your rates:[2]

  • Age: Younger drivers tend to get into more accidents than drivers 25 and older. As such, insurance companies raise rates to offset the risk of covering teen drivers.

  • Gender: Data shows that men are more likely to experience a fatal crash.[2] As a result, teen male drivers pay some of the highest insurance rates.

  • Driving experience: New drivers get into accidents at a higher rate than seasoned drivers. So, if you have less experience, expect to see more expensive premiums.

  • Vehicle type: Companies look at vehicle characteristics such as car theft rates, repair costs, safety records, and safety features to determine your premiums. If you own a vehicle with higher risk factors, your insurance policy will likely cost more.

  • Geographic location: Insurers use factors like population, crime, weather risks, and driver demographics to calculate premiums. For example, living in a larger city like Miami may come with more driving risks than a smaller one like Lakeland. Miami residents may end up paying more.

  • Driving record: Drivers with moving violations usually pay higher rates than drivers with a clean record. If you have accidents, speeding tickets, or DUIs on your record, insurers view you as more likely to file a claim in the future.

  • Coverages: The more coverage you buy, the more you’ll pay. Buying the minimum coverage required will be cheaper than a full-coverage insurance policy. Having higher limits and adding optional coverages will also increase your premiums.

  • Discounts: Many companies offer savings for young drivers. Teen drivers can save money on their insurance by earning good grades and completing a qualifying driving program. Policyholders who buy multiple policies with one insurance company can also score a bundling discount.

Find Cheap Car Insurance in Florida

Check quotes from 120+ top insurance companies

Excellent
4.7 out of 5 based on 12,752 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Comparing teen driver rates in Florida with other age groups

Florida teens pay more for car insurance than older drivers. Take a look at the table below for the cost of car insurance for different age groups in Florida.

Average Monthly Quote by Age Group

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How to reduce insurance costs for 16-year-olds in Florida

Car insurance for 16-year-old drivers in Florida can get expensive. But you still have ways to find cheap car insurance without sacrificing your coverage:

  • illustration card https://a.storyblok.com/f/162273/100x100/8fc2e44a6a/learning.svg

    Seek good student discounts

    Get a discount by earning good grades in school. Companies typically classify “good grades” as a B average or higher.

  • illustration card https://a.storyblok.com/f/162273/x/ba9869f2f9/defensive-driving.svg

    Take a defensive driving course

    Defensive driving programs teach drivers how to respond to potential hazards on the road and avoid a fatal crash. Many insurers offer a premium discount for completing a qualifying course.

  • illustration card https://a.storyblok.com/f/162273/150x150/f93e5c7ccc/banking-96x96-orange_017-coins.svg

    Choose a higher deductible

    Select a higher deductible to save money on your premiums. Be aware that you must pay the deductible before insurers pay your claim.

  • illustration card https://a.storyblok.com/f/162273/150x150/e80d4ae197/car-and-driving-96x96-gold_019-car.svg

    Choose the right car

    The cheapest cars to insure are safe and reliable with lower repair costs. Before buying a vehicle, research how its characteristics might affect your insurance premium.

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

    Bundle policies

    Many insurers offer bundling discounts if you buy more than one insurance product from them. A common bundle is auto and homeowners insurance.

  • illustration card https://a.storyblok.com/f/162273/150x150/789c6c481b/car-and-driving-96x96-green_007-driver.svg

    Add your teen to your policy

    Teen drivers pay less for car insurance by joining a parent’s policy instead of buying their own. A multi-car discount also lowers your rates if you insure a separate vehicle that your teenager drives.

Cost of insurance for a 16-year-old in Florida FAQs

Teenagers living in Florida usually pay some of the highest insurance rates. Check out the following answers to frequently asked questions for additional information and tips on finding cheap car insurance.

  • What is the cheapest insurance for a 16-year-old in Florida?

    The cheapest car insurance company for a 16-year-old in Florida is GEICO. It has a monthly average full-coverage insurance rate of $312 for teens, Insurify data shows. Your premium may differ based on various personal factors, so it’s a good idea to get a quote.

  • Why is car insurance so expensive for a 16-year-old?

    Car insurance is expensive for 16-year-olds because they’re inexperienced at driving. This means they’re more likely to cause an accident and need to file a claim. Practicing safe driving and qualifying for more discounts can help teens keep their rates low.

  • Can a minor get their own car insurance in Florida?

    Minors typically can’t get their own car insurance except in unique circumstances or when a parent provides written consent. If you’re a minor and want to get your own car insurance, speak to someone at your local Florida Department of Highway Safety and Motor Vehicles (FLHSMV) office for more information.

  • Are there discounts available for 16-year-old drivers in Florida to lower their insurance costs?

    Yes, 16-year-old drivers in Florida can save money through discounts for good grades, safe driving, and taking a defensive driving course. Contact your insurance agent for more information on discounts they offer.

  • Does the type of car a 16-year-old drives affect the insurance cost in Florida?

    Yes. Insurance companies consider a vehicle’s safety ratings, theft rates, repair costs, and other factors when calculating premiums. Keep your premiums low by buying a lower-valued car and installing safety features like car alarms.

Methodology

Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. J.D. Power. "Trust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, J.D. Power Finds."
  2. Insurance Information Institute. "What determines the price of an auto insurance policy?."
Alani Asis
Written byAlani AsisFreelance Personal Finance and Insurance Writer
Alani Asis
Alani AsisFreelance Personal Finance and Insurance Writer
  • 4-plus years of insurance writing

  • Bylines in top personal finance publications

Alani specializes in writing empathetic, actionable articles about insurance and personal finance. Her work has appeared in top publications like U.S. News and Fortune.

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Alani specializes in writing empathetic, actionable articles about insurance and personal finance. Her work has appeared in top publications like U.S. News and Fortune.

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Chris Schafer
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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John Leach
Reviewed byJohn LeachLicensed P&C Agent, Chief Copy Editor
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John LeachLicensed P&C Agent, Chief Copy Editor
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 20461358

John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.

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