Cheapest Teen Driver Auto Insurance in Florida in 2024 (Top 10 Companies)
Allstate, USAA, and State Farm have the cheapest teen driver auto insurance in Florida at $29/mo. Travelers has the best insurance discounts, but Allstate has the cheapest full coverage car insurance in Florida. High-risk drivers can find cheap auto insurance for teens after an accident with USAA.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Sep 29, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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17,759 reviewsAllstate, USAA, and State Farm have the cheapest teen driver auto insurance in Florida. While Florida auto insurance for teens is expensive, these companies offer the most affordable rates on the market.
To see which of the cheapest teen driver auto insurance companies is best for you, take a look at the list below.
Our Top 10 Company Picks: Cheapest Teen Driver Auto Insurance in Florida
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $29 | A+ | Customized Policies | Allstate |
 | #2 | $32 | A++ | Military Drivers | USAA |
 | #3 | $33 | A++ | Customer Service | State Farm |
 | #4 | $34 | A+ | Deductible Options | Nationwide |
 | #5 | $51 | A+ | UBI Discount | Progressive |
 | #6 | $54 | A | Safe-Driving Discounts | Liberty Mutual |
 | #7 | $55 | A++ | Discount Options | Travelers |
 | #8 | $61 | A++ | Online Convenience | Geico |
 | #9 | $62 | A | Claims Service | American Family |
 | #10 | $75 | A | Group Discounts | Farmers |
If you are ready to jump into finding quotes for the best auto insurance for young drivers in Florida, use our free quote tool.
- Allstate has the cheapest Florida car insurance for teens
- USAA and State Farm also have affordable teen insurance
- Joining a parent’s policy is often the cheapest option for teens
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#1 – Allstate: Top Pick Overall
Pros
- Customized Policies: Allstate’s coverage options make it easy for teen drivers to create customized policies. Learn more about Allstate’s coverages in our review of Allstate.
- Accident Forgiveness: Allstate offers an accident forgiveness program that won’t raise rates after an accident.
- Bundling Discount: Teens who have moved out and are renting can get a bundling discount if they purchase renters and auto insurance from Allstate.
Cons
- DUI Drivers Charged Higher Rates: While Allstate has the cheapest teen driver auto insurance rates on average, it is not one of the cheapest companies for teen drivers with a DUI.
- Customer Reviews Vary: Allstate’s J.D. Power ratings vary from year to year, with Allstate scoring slightly below average on a few occasions for customer satisfaction.
#2 – USAA: Best for Military Drivers
Pros
- Military Drivers: USAA is great for military drivers as it offers perks beyond cheap auto insurance, such as discounts on shopping and traveling.
- Customer Satisfaction: USAA has high customer satisfaction ratings, which you can learn about in our USAA review.
- Coverages: USAA’s coverage options allow teens to customize a policy that fits their budget.
Cons
- Military and Veterans Only: Non-military and non-veteran drivers won’t be able to qualify for USAA auto insurance.
- Fewer Physical Locations: USAA doesn’t have many locations for people to get in-person assistance, relying primarily on virtual communication.
#3 – State Farm: Best for Customer Service
Pros
- Customer Service: State Farm’s local agents are generally easy to find no matter where you live, so the company has great customer service rankings, which you can learn about in our State Farm review.
- Good Student Discount: State Farm offers a good student discount if students have a B+ average or higher.
- UBI Program: Teen drivers can earn discounts for safe driving with the Drive Safe & Save UBI program (learn more: State Farm Drive Safe & Save Review).
Cons
- No Online Purchases: Teens will need to contact a State Farm agent to purchase auto insurance – it can’t be done online.
- High-Risk Drivers Charged More: Teens with a DUI or other serious driving record incidents may not find the cheapest rate with this company.
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#4 – Nationwide: Best for Deductible Options
Pros
- Deductible Options: Teens can raise or lower deductibles to meet their budget, and Nationwide will also lower deductibles for each year of safe driving.
- Financial Stability: Nationwide has high financial stability ratings, which you can read more about in our review of Nationwide.
- UBI Program: Teens can save with Nationwide’s SmartRide program (learn more in our Nationwide SmartRide review).
Cons
- Not Sold in All States: Nationwide is widely available, but is still not yet sold in three states.
- No Rideshare Insurance: Teens who want to drive for Uber or Lyft will need to get rideshare insurance elsewhere.
#5 – Progressive: Best for UBI Discount
Pros
- UBI Discount: Progressive’s UBI program offers high savings for teen drivers. Learn more in our Progressive Snapshot review.
- Budget Tool: Teens can use Progressive’s Name Your Price tool to see how much coverage they can afford.
- Add-On Coverages: Progressive has roadside assistance, loan/lease payoff, and more (read about its coverages in our Progressive review).
Cons
- UBI Can Raise Rates: Progressive may raise rates if you score poorly on its UBI program.
- Customer Service: Progressive has average ratings from J.D. Power for customer satisfaction.
#6 – Liberty Mutual: Best for Safe-Driving Discounts
Pros
- Safe Driving Discounts: Liberty Mutual offers discounts for safe driving, which you can learn more about in our review of Liberty Mutual.
- Availability: Liberty Mutual auto insurance is available in every state.
- Add-On Coverages: Liberty Mutual has gap insurance, roadside assistance, and more.
Cons
- Customer Satisfaction: Liberty Mutual has just average ratings for customer satisfaction with customer service and claims handling.
- High Rates for Some Drivers: Liberty Mutual’s rates are best for teen drivers with clean driving records – other teen drivers may need to shop elsewhere for savings.
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#7 – Travelers: Best for Discount Options
Pros
- Discount Options: Travelers has multiple discount opportunities, which you can read about in our review of Travelers.
- Coverages: Travelers offers basic coverages and several add-on coverages to round out a policy.
- Accident Forgiveness: Accident forgiveness at Travelers can help keep rates low for safe teen drivers.
Cons
- Availability: Travelers’ auto insurance is not yet sold in all 50 states.
- Customer Satisfaction: J.D. Power has only given Travelers average ratings for claims satisfaction.
#8 – Geico: Best for Online Convenience
Pros
- Online Convenience: Geico’s website and app provide online convenience for teens looking to check their policy or make changes.
- Good Student Discount: Geico offers a discount to students with a B+ average or higher, as well as several other discounts you can read about in our Geico review.
- Availability: Geico auto insurance is available countrywide.
Cons
- Few Local Agents: Geico doesn’t offer as many local agents, limiting most communication to virtual.
- Customer Satisfaction: Geico’s J.D. Power ratings are just average.
#9 – American Family: Best for Claims Service
Pros
- Claims Service: American Family has good ratings for customer service (learn more: American Family review).
- UBI Program: Teens can save with KnowYourDrive at American Family (read our American Family KnowYourDrive review for more information).
- Coverages: American Family has roadside assistance, rideshare insurance, and more.
Cons
- Availability: American Family is sold in less than half of the U.S. states.
- Rate Competitivity: American Family’s rates are not always as competitive as larger companies’ rates.
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#10 – Farmers: Best for Group Discounts
Pros
- Group Discounts: Farmers offers group discounts for different occupations or associations.
- Availability: Farmers’ auto insurance can be purchased in any state.
- Coverage: Farmers offers basic and add-on auto insurance coverage (learn more in our Farmers review).
Cons
- Higher Rates for High-Risk Drivers: Teens with poor driving records may not find the cheapest rates at Farmers.
- Customer Satisfaction: Farmers has average customer reviews for claims handling and customer satisfaction.
Minimum Required Auto Insurance for Teen Drivers in Florida
You must meet the Florida minimum auto insurance requirements to drive. Florida requires all drivers, regardless of age, to carry the following auto insurance coverages:
- Property damage liability insurance: $10,000
- Personal injury protection: $10,000
Full coverage is optional in Florida, but it covers more situations than minimum coverage. Below, you can see how much a teenager auto insurance policy costs by age and gender.
Teen Auto Insurance in Florida: Monthly Rates by Age, Gender, & Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $214 | $670 |
| 16-Year-Old Male | $249 | $747 |
| 17-Year-Old Female | $194 | $621 |
| 17-Year-Old Male | $226 | $698 |
| 18-Year-Old Female | $166 | $460 |
| 18-Year-Old Male | $214 | $564 |
| 19-Year-Old Female | $155 | $420 |
| 19-Year-Old Male | $185 | $503 |
| 20-Year-Old Female | $126 | $349 |
| 20-Year-Old Male | $142 | $380 |
| 21-Year-Old Female | $110 | $298 |
| 21-Year-Old Male | $120 | $320 |
In general, male drivers pay more on average than female drivers.
Learn More: Best Pay-As-You-Go Auto Insurance in Florida
Comparing Teen Driver Auto Insurance Costs in Florida
The cost of Florida car insurance for insuring a teen driver will vary based on the teen’s driving record.
Teen Auto Insurance in Florida: Monthly Rates by Age, Gender, & Driving Record
| Age & Gender | Speeding Ticket | At-Fault Accident | DUI/DWI |
|---|---|---|---|
| 16-Year-Old Female | $245 | $275 | $420 |
| 16-Year-Old Male | $285 | $320 | $489 |
| 17-Year-Old Female | $220 | $245 | $385 |
| 17-Year-Old Male | $255 | $290 | $445 |
| 18-Year-Old Female | $190 | $215 | $350 |
| 18-Year-Old Male | $225 | $260 | $410 |
| 19-Year-Old Female | $175 | $195 | $320 |
| 19-Year-Old Male | $205 | $230 | $370 |
| 20-Year-Old Female | $145 | $160 | $260 |
| 20-Year-Old Male | $160 | $180 | $290 |
| 21-Year-Old Female | $130 | $140 | $220 |
| 21-Year-Old Male | $140 | $150 | $240 |
Accidents, DUIs, and tickets will raise teens’ rates by hundreds of dollars on average, making it harder to find cheap Florida auto insurance for insuring a teen driver.
Learn more: Cheap Auto Insurance for Teens After an Accident
Rates will also vary based on where you are located in Florida.
Teen Auto Insurance in Florida: Monthly Rates by Age, Gender, & City
| Age & Gender | Fort Lauderdale | Jacksonville | Miami | Orlando | Tampa |
|---|---|---|---|---|---|
| 16-Year-Old Female | $300 | $270 | $330 | $290 | $300 |
| 16-Year-Old Male | $345 | $310 | $375 | $330 | $340 |
| 17-Year-Old Female | $275 | $245 | $305 | $270 | $280 |
| 17-Year-Old Male | $315 | $280 | $350 | $310 | $320 |
| 18-Year-Old Female | $250 | $225 | $280 | $250 | $260 |
| 18-Year-Old Male | $290 | $260 | $330 | $290 | $300 |
| 19-Year-Old Female | $230 | $205 | $255 | $225 | $235 |
| 19-Year-Old Male | $265 | $240 | $305 | $270 | $280 |
| 20-Year-Old Female | $190 | $170 | $215 | $185 | $195 |
| 20-Year-Old Male | $210 | $190 | $240 | $210 | $220 |
| 21-Year-Old Female | $170 | $150 | $195 | $165 | $175 |
| 21-Year-Old Male | $180 | $160 | $205 | $175 | $185 |
Miami is one of the most expensive places to purchase auto insurance.
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Adding Your Teen Driver to Florida Auto Insurance
If you want the cheapest Florida auto insurance for teens, the best option is to add teen drivers to a family policy rather than have teens purchase their own.
Teen Auto Insurance in Florida: Monthly Rates by Age, Gender, & Policy Type
| Age & Gender | Individual Policy | Family Policy |
|---|---|---|
| 16-Year-Old Female | $245 | $120 |
| 16-Year-Old Male | $285 | $145 |
| 17-Year-Old Female | $220 | $105 |
| 17-Year-Old Male | $255 | $130 |
| 18-Year-Old Female | $190 | $90 |
| 18-Year-Old Male | $225 | $110 |
| 19-Year-Old Female | $175 | $80 |
| 19-Year-Old Male | $205 | $100 |
| 20-Year-Old Female | $145 | $70 |
| 20-Year-Old Male | $160 | $75 |
| 21-Year-Old Female | $130 | $60 |
| 21-Year-Old Male | $140 | $65 |
Parents can keep teen drivers on their insurance for as long as they still reside with them. Learn more in our article: Best Auto Insurance for Families.
Getting quotes from the best Florida car insurance companies, like Allstate, will help you determine the exact cost of adding a teen driver to your policy versus purchasing their own policy.
How to Get Cheaper Teen Auto Insurance in Florida
When you shop among Florida insurance companies for teens, you will see rate differences depending on your coverage choice.
Teen Auto Insurance in Florida: Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $29 | $58 |
| American Family | $62 | $124 |
| Farmers | $75 | $150 |
| Geico | $61 | $122 |
| Liberty Mutual | $54 | $108 |
| Nationwide | $34 | $68 |
| Progressive | $51 | $102 |
| State Farm | $33 | $66 |
| Travelers | $55 | $110 |
| USAA | $32 | $64 |
Minimum coverage is the cheapest for teens. However, it only covers damages to others’ property.
Florida teens should carry full coverage if its in the budget, as it covers damages and injuries from collisions, weather, and more.Dani Best Licensed Insurance Producer
To help make full coverage more affordable, make sure to check out discounts at the cheapest auto insurance companies in Florida.
Auto insurance discounts in Florida range from good student to multi-car discounts.
Read More: Auto Insurance Companies Pulling Out of Florida
Bottom Line on the Cheapest Teen Driver Auto Insurance Companies in Florida
When shopping for the best car insurance in Florida, consider the companies’ rates, coverages, and discounts. The best auto insurance companies in Florida will have reasonable rates and offer opportunities for teens to save on insurance with top car insurance discounts in Florida.
Ready to shop for a teenager car insurance policy? Use our free quote tool to find the cheapest teen driver auto insurance quotes in Florida.
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Frequently Asked Questions
How much is auto insurance for a minor in Florida?
Minimum coverage for a 16-year-old driver in Florida is an average of $232 per month. However, you can get the cheapest auto insurance rates in Florida by shopping around.
What is the cheapest full coverage insurance for new drivers in Florida?
Allstate has the cheapest full coverage auto insurance in Florida for teen drivers.
What is the best auto insurance for first-time drivers in Florida?
The best auto insurance in Florida for new drivers is full coverage, as it covers a wide range of accident claims (learn more: Best Auto Insurance for New Drivers).
Is Geico or Progressive cheaper for teen driver auto insurance in Florida?
On average, Progressive has cheaper auto insurance for teenagers in Florida than Geico. Use our free quote tool to find the best auto insurance rates in Florida.
Can a 16-year-old get their own auto insurance in Florida?
Yes, teenagers can get their own auto insurance policy, but it is cheapest to be added to a parent’s policy.
How much is teen driver auto insurance for a 17-year-old in Florida?
The average cost of minimum coverage for 17-year-olds in Florida is $210 per month. It is best to join a parent’s policy to get cheap auto insurance for 17-year-olds in Florida.
How much is auto insurance in Florida for a 16-year-old?
The average cost of minimum coverage for a 16-year-old driver in Florida is $232 per month.
What is the cheapest Florida insurance for an 18-year-old?
Allstate has the best cheap auto insurance for 18-year-olds.
At what age does your car insurance go down in Florida?
When insuring teen drivers, rates often stay high until drivers turn 20. Then, the best Florida auto insurance rates will start dropping if drivers keep a clean driving record. You can learn more in our article on auto insurance for drivers under 25.
Can a 17-year-old drive with passengers in Florida?
Permit holders can’t drive alone and will have passenger restrictions, although 17-year-olds with a full license won’t have passenger restrictions (read more: Can you drive alone with a permit?).
How much does it cost to add a permit driver to insurance in Florida?
The cost of adding a driver to car insurance depends on the insurance company. Some insurance companies won’t increase rates until the driver has their full license (read more: helping teen drivers get their first licenses).
How can I save on my teen driver auto insurance in Florida?
To save on teen driver rates, make sure to shop at the companies with the cheapest teen auto insurance.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
