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5+ years writing insurance and personal finance topics
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Media relations director for Insurance Information Institute
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Updated
The average cost of liability-only car insurance for an 18-year-old in Florida is $232 per month. Full coverage averages $399 per month.
An individual policy for an 18-year-old is 47% more expensive than adding them to an existing policy.
Adding an 18-year-old to an existing car insurance policy in Florida increases your premium by an average of 62%.
The average car insurance premium for an 18-year-old in Florida is $232 per month for state-minimum coverage, according to Insurify data. Full coverage costs an average of $399 per month.
Teens in the Sunshine State typically pay higher premiums because they have less driving experience. But 18-year-olds can qualify for car insurance discounts by completing an approved driver safety course or maintaining good grades.
Liability insurance is usually cheaper than full coverage for 18-year-olds in Florida. The average liability-only premium is $167 lower per month than the full-coverage premium.
Liability-only insurance is the cheapest type of car insurance an 18-year-old driver can legally have in Florida. It covers only injuries and damages you cause to others in an accident, not your own.
But most teens can benefit from a full-coverage policy despite the higher price. Full coverage includes collision and comprehensive insurance, which covers theft and damage to your vehicle.[1] If you lease or finance your car, your lender likely requires it.
Liability-only insurance might make more sense if you can’t afford full coverage or own a vehicle that isn’t worth much. But 18-year-olds in Florida should consider buying more than the minimum amount of insurance for more financial protection.
In Florida, 18-year-old males pay more than females for car insurance. The average full-coverage rate for an 18-year-old male is $411. The average rate for an 18-year-old female is $387, according to Insurify data.
Teen male and female drivers in Florida have similar accident rates, but males get into more fatal accidents, according to the Florida Teen Safe Driving Coalition.[2] Because men usually have more unsafe driving habits than women, they often pay higher car insurance rates.
The table below shows the average monthly car insurance costs for 18-year-old males and females in Florida.
Gender | Florida Average Liability-Only Cost | Florida Average Full-Coverage Cost |
|---|---|---|
| Male | $239 | $411 |
| Female | $225 | $387 |
The cheapest car insurance companies for 18-year-olds in Florida are Progressive and State Farm. Both insurers offer full-coverage and liability-only rates that are well below the statewide averages.
The following table shows some of the best car insurance companies with cheap rates for 18-year-old drivers in Florida on their own auto insurance policy.
Insurance Company | Average Monthly Quote: Full Coverage | Average Monthly Quote: Liability Only |
|---|---|---|
| Progressive | $242 | $130 |
| State Farm | $245 | $153 |
| Mile Auto | $306 | $164 |
| Mercury | $319 | $206 |
| Clearcover | $323 | $133 |
| GEICO | $326 | $161 |
| Bristol West | $370 | $232 |
| National General | $370 | $276 |
| Infinity | $379 | $174 |
| Direct Auto | $383 | $223 |
| The General | $418 | $219 |
| Embark | $424 | $177 |
| Allstate | $437 | $269 |
| Root | $456 | $247 |
| GAINSCO | $485 | $206 |
| Liberty Mutual | $504 | $387 |
| AssuranceAmerica | $516 | $286 |
| Dairyland | $526 | $164 |
| Travelers | $548 | $337 |
| First Acceptance | $568 | $387 |
| Mendota | $590 | $377 |
| Hugo | $353 | |
| Insurify Car | $314 |
Age is one of the biggest factors that affect car insurance rates in Florida. But other factors also contribute to the cost of auto insurance for 18-year-olds, including:
Driving record: Compared to teens with traffic violations, 18-year-olds with clean driving records typically pay lower premiums.
Vehicle type: Young drivers who purchase a new car often pay higher insurance rates than teens who drive a used car.
Location: Teens who live on the Gulf Coast or in other hurricane-prone parts of Florida usually pay higher premiums than 18-year-olds who live in lower-risk parts of the state.
Get the coverage you need for your 18-year-old at the best price
In Florida, 18-year-olds can get their own car insurance policy without a parent’s approval. But that doesn’t mean it’s the best option. Getting your own car insurance as an 18-year-old in Florida is usually more expensive than staying on your parent’s policy.
The average cost of full-coverage car insurance for an 18-year-old on their own auto policy is $465 per month. But it costs an average of only $354 per month to add a teen driver to an existing full-coverage policy. Liability-only insurance for 18-year-olds in Florida averages $230 per month. But adding them to a policy costs an average of only $174 per month.
As long as they have the same permanent address, 18-year-olds can typically stay on a parent’s car insurance policy. But once a teen moves out or registers a vehicle only in their name, they’ll have to get their own policy.
The advantage of an 18-year-old having their own policy is that it won’t affect the parent’s premiums. They would also be able to choose a car insurance policy that meets their specific needs.
Below, you’ll find the full-coverage insurance cost differences for an 18-year-old living at home, living on their own, and away at college.
Situation | Policy Options | Cheapest Option | Average Cost |
|---|---|---|---|
| 18-year-old driver still lives at home | Remain on parent’s policy or get your own | Remain on parent’s policy | $354 |
| 18-year-old driver lives independently | Get your own policy | Get your own policy | $465 |
| 18-year-old away at college | Remain on parent’s policy or get your own | Remain on parent’s policy | $354 |
Car insurance can be expensive for 18-year-olds in Florida. Companies consider 18-year-old drivers a high-risk group to insure, partly because they have the state’s highest crash rate. In 2023, young adults caused more than 80,000 accidents in Florida, with 1,785 serious injuries and 323 fatalities, according to data from the Florida Teen Safe Driving Coalition.
For most young drivers in Florida, car insurance premiums typically decrease in their 20s. Rates usually decline as long as you maintain a clean driving record and claim-free history.
Age is just one of the rating factors that Florida auto insurance companies use to set premiums. Your car insurance rate also depends on:
Driving record: With a clean driving record, 18-year-olds often pay less than drivers with speeding tickets or other traffic violations.
Vehicle type: It’s typically less expensive for an 18-year-old to insure a used car than a brand-new car.
Annual mileage: Insurers usually charge higher rates for teenagers who drive frequently. Eighteen-year-olds who don’t drive as often typically pay less.
Policy type: You’ll usually pay more for full coverage than liability-only insurance. Choosing higher policy limits will also increase your rate.
Deductible: The higher your deductible for collision coverage and comprehensive coverage, the cheaper your monthly car insurance rate will be. But you’ll pay more out of pocket if you file a claim.
At age 18, drivers in Florida can skip the graduated driver licensing (GDL) process.[3] As long as they’ve had no major traffic violations within the past 12 months, 18-year-olds can apply for a full, unrestricted license.
To get a license in Florida, drivers must:
Take a Traffic Law and Substance Abuse Education (TLSAE) course
Pass the Class E written exam and vision test
Pass the driving skills exam
Pay the $48 driver’s license fee
Every driver in Florida, regardless of age, must have a car insurance policy that meets the state’s minimum-coverage requirements.[4] A state-minimum Florida car insurance policy includes:
$10,000 of personal injury protection (PIP)
$10,000 of property damage liability (PDL)
Even though Florida doesn’t require bodily injury liability and property damage liability coverage, most 18-year-old drivers can benefit from them.
Compare quotes from Florida’s top insurers and save money in minutes
Car insurance is usually more expensive for 18-year-olds in Florida than for other age groups. But younger drivers have multiple ways to lower their premiums, including:
Qualifying for good student discounts: Many car insurance companies offer discounts to drivers who maintain good grades in high school or college.
Taking a defensive driving course: If you complete a state-approved defensive driving course or driver education program, you might qualify for a discount.
Choosing a higher deductible: Increasing your deductible can lower your monthly premium. Just make sure you can afford the extra out-of-pocket costs if you file a claim.
Picking the right car: You’ll usually pay less to insure a used car than a brand-new model.
Joining your parent’s insurance: If you live at home, it’s usually cheaper to stay on a parent’s policy rather than getting your own.
In Florida, 18-year-old drivers can pay some of the highest auto insurance rates. To help you get the cheapest coverage, we answered some common questions about car insurance for Florida 18-year-olds.
The cheapest car insurance company for 18-year-olds in Florida is Progressive, based on Insurify data. Progressive’s minimum-coverage rates average $130 per month. The best way to find the cheapest rates for your coverage needs is to compare quotes from multiple insurers.
Car insurance is expensive for 18-year-olds in Florida because they have some of the highest accident rates. In 2023, 18-year-olds were in more accidents than other teen drivers.
Yes. An 18-year-old can purchase their own car insurance policy in Florida. But for new drivers who live at home, it’s often cheaper to stay on a parent’s insurance policy.
The average monthly state-minimum car insurance premium for an 18-year-old in Florida is $232. Full coverage averages $399 per month. Besides age, factors that can affect your insurance rate include your location, vehicle type, coverage limits, and driving record.
It depends. If an 18-year-old lives at home, it’s usually cheaper to add them to an existing family policy. But if they don’t live at home, have a vehicle registered in their name, or want different policy limits, they’ll have to buy their own policy.
Insurify data scientists analyzed more than 250 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:
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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5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
