The average monthly cost of car insurance in Florida for a 16-year-old driver is $371 for full coverage and $231 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 $162 per month
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 $301 per month. The table below shows the average monthly cost of coverage for Florida teen drivers from different companies.
Insurance Company | Average Monthly Quote: Full Coverage | Average Monthly Quote: Liability Only |
|---|---|---|
| State Farm | $272 | $195 |
| Progressive | $273 | $162 |
| Mile Auto | $334 | $207 |
| Mercury | $350 | $263 |
| Clearcover | $355 | $166 |
| GEICO | $357 | $206 |
| Bristol West | $410 | $294 |
| National General | $411 | $355 |
| Infinity | $419 | $222 |
| Direct Auto | $421 | $280 |
| The General | $457 | $277 |
| Allstate | $482 | $345 |
| Embark | $487 | $224 |
| Root | $490 | $304 |
| GAINSCO | $536 | $264 |
| Liberty Mutual | $556 | $495 |
| Liberty Mutual | $556 | $495 |
| Dairyland | $574 | $204 |
| AssuranceAmerica | $576 | $367 |
| Travelers | $604 | $433 |
| First Acceptance | $632 | $495 |
| Mendota | $645 | $475 |
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 | Liability Only | Full Coverage |
|---|---|---|
| Two parents + a teen driver | $296 | $599 |
| Two parents | $157 | $316 |
| Teen driver on their own policy | $184 | $372 |
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 | 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. | $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. | $149/mo |
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 |
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.
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.
Accident forgiveness available
Above-average J.D. Power customer satisfaction rating in Florida[1]
Many discount opportunities for teens
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 | 4.1 |
|---|---|
| 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. | $53/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. | $109/mo |
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 |
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.
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.
Rideshare insurance available
Cheap rates for most Florida drivers
Several discounts for young drivers
Limited coverage options
No accident forgiveness and gap insurance
Doesn’t sell through independent agents
Best for safe teen drivers: Root
| User Reviews | 3.1 |
|---|---|
| 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. | 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. | $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. | $157/mo |
Root's score | Industry average | |
|---|---|---|
| Coverage options | 3.0 | 3.2 |
| Customer service | 3.1 | 3.6 |
| Discounts | 2.6 | 2.9 |
| Policy transparency | 2.9 | 3.1 |
| Value | 2.7 | 2.9 |
Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.
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.
Offers usage-based discounts
Excellent reviews on Trustpilot
Offers a good student discount of up to 25%
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 | 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. | $72/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. | $149/mo |
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 |
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.
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.
Lots of discount opportunities
Offers classic car insurance
Offers pay-per-mile insurance
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
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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
Category | Price |
|---|---|
| 60s | $179 |
| 70s | $184 |
| 50s | $192 |
| 40s | $205 |
| 30s | $213 |
| 20s | $245 |
| Teens | $328 |
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:
Seek good student discounts
Get a discount by earning good grades in school. Companies typically classify “good grades” as a B average or higher.
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.
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.
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.
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.
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 $357 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.
Sources
- J.D. Power. "Trust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, J.D. Power Finds."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
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
- 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.
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