Cheapest Teen Driver Auto Insurance in Florida in 2025 (Top 10 Companies)
USAA, Geico, and State Farm have the cheapest teen driver auto insurance in Florida, with rates starting at $103 per month. USAA offers the best teen driver insurance, while Geico has the cheapest full coverage rates in Florida. For families seeking cheap teen car insurance after an accident, State Farm is a great option.
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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...
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UPDATED: Feb 20, 2025
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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: Feb 20, 2025
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.
On This Page
6,435 reviewsCompany Facts
Min. Coverage for Teens in Florida
A.M. Best Rating
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6,435 reviews
19,116 reviewsCompany Facts
Min. Coverage for Teens in Florida
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
17,760 reviewsCompany Facts
Min. Coverage for Teens in Florida
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviewsUSAA, Geico, and State Farm have the cheapest teen driver auto insurance in Florida, with rates starting at $88 per month.
While Florida auto insurance for teens is expensive, these companies offer the cheapest car insurance for teens on the market.
Young drivers in Florida often combine good student auto insurance discounts with safe driving programs, potentially saving a lot.
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 | $88 | A++ | Military Drivers | USAA |
 | #2 | $113 | A++ | Online Convenience | Geico |
 | #3 | $158 | B | Customer Service | State Farm |
 | #4 | $198 | A+ | Deductible Options | Nationwide |
 | #5 | $243 | A | Safe-Driving Discounts | Liberty Mutual |
 | #6 | $256 | A+ | UBI Discount | Progressive |
 | #7 | $315 | A+ | Customized Policies | Allstate |
 | #8 | $339 | A | Claims Service | American Family |
 | #9 | $523 | A | Group Discounts | Farmers |
 | #10 | $632 | A++ | Discount Options | Travelers |
If you are ready to find quotes for the best auto insurance for young drivers in Florida, use our free quote tool.
- USAA leads with the cheapest teen car insurance in Florida
- Geico and State Farm follow closely with more teen insurance options
- Joining a parent’s policy is often the cheapest option for teens
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#1 – USAA: Top Overall Pick
Pros
- Military Drivers: USAA offers cheap auto insurance for teenagers from military families, such as discounts on shopping and traveling.
- Customer Satisfaction: USAA has high customer satisfaction ratings, which you can learn about in our USAA auto insurance review.
- Extensive Coverage: USAA’s coverage options allow teens to customize a policy that fits their budget.
Cons
- Military and Veterans Only: Non-military and non-veteran teen drivers won’t be able to qualify for USAA auto insurance.
- Fewer Physical Locations: USAA doesn’t have many locations for teens to get in-person assistance, relying primarily on virtual communication.
#2 – 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 find in our Geico auto insurance 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.
#3 – State Farm: Best for Customer Service
Pros
- Customer Service: Its 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 auto insurance 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, as it can’t be done online.
- High-Risk Drivers Pay 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 auto insurance.
- 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 – 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 auto insurance.
- Availability: Liberty Mutual auto insurance is available in every US 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.
#6 – 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 auto insurance 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.
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#7 – Allstate: Best for Customized Policies
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 Allstate auto insurance review.
- Accident Forgiveness: Allstate provides accident forgiveness program for teen drivers.
- 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: Allstate 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.
#8 – American Family: Best for Claims Service
Pros
- Claims Service: According to our American Family auto insurance review, the company has good ratings for customer service.
- UBI Program: Teens can save with KnowYourDrive at American Family.
- Coverage Options: 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.
#9 – Farmers: Best for Group Discounts
Pros
- Group Discounts: Farmers offer group discounts for different occupations or associations.
- Availability: Farmers’ auto insurance can be purchased in any US state.
- Coverage: Farmers offer basic and add-on auto insurance coverage. Learn more in our Farmers auto insurance review.
Cons
- Higher Rates for High-Risk Drivers: Those with poor driving records may not find the cheapest teen car insurance at Farmers.
- Customer Satisfaction: Farmers has average customer reviews for claims handling and customer satisfaction.
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#10 – Travelers: Best for Discount Options
Pros
- Discount Options: Travelers has multiple discount opportunities, which you can read about in our review of Travelers auto insurance.
- Comprehensive Coverages: Travelers offers basic coverages and several add-on coverages to round out a policy, which is great for getting cheap insurance for teen drivers.
- 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.
Comparing Teen Driver Auto Insurance Costs in Florida
Full coverage is optional in Florida, but it covers more situations than minimum coverage. Below, you can see how much a teen car insurance policy costs by age and gender.
Teen Auto Insurance Monthly Rates in Florida by Age, Gender & Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $287 | $1,001 |
| 16-Year-Old Male | $334 | $747 |
| 17-Year-Old Female | $243 | $840 |
| 17-Year-Old Male | $257 | $679 |
| 18-Year-Old Female | $222 | $616 |
| 18-Year-Old Male | $286 | $2,090 |
| 19-Year-Old Female | $321 | $790 |
| 19-Year-Old Male | $286 | $720 |
| 20-Year-Old Female | $230 | $720 |
| 20-Year-Old Male | $303 | $660 |
| 21-Year-Old Female | $73 | $219 |
| 21-Year-Old Male | $78 | $235 |
In general, male drivers pay more on average than female drivers. For those wondering, “Can a 17-year-old get car insurance?” yes, they can, though they may need a parent or guardian as a co-signer.
Florida teens should carry full coverage if it fits their budget, as it covers damages and injuries from collisions, weather, and more.Dani Best Licensed Insurance Producer
Finding the best car insurance for young drivers in Florida requires comparing several providers and knowing about possible discounts. Auto rates for minors exceed adult prices, but drivers just need to follow certain steps to get better prices and proper coverage.
Learn More: Best Pay-As-You-Go Auto Insurance in Florida
Factors Affecting Teen Driver Auto Insurance Costs in Florida
The cost of car insurance for teenage drivers in Florida will vary based on the teen’s driving record. 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.
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 |
Rates will also vary based on where you are located in Florida. The table below shows Miami’s dense traffic and high accident rates make it one of the most expensive cities for teen drivers insurance.
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 |
Remember that the cheapest insurance for young drivers isn’t always the best option, make sure to balance cost with adequate coverage protection. Parents and teens should carefully evaluate coverage options while considering their specific needs and risk factors.
Learn more: Cheap Auto Insurance for Teens After an Accident
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Adding Your Teen Driver to Florida Auto Insurance
If you want affordable auto insurance for teens in Florida, the best option is to add teen drivers to a family policy rather than have teens purchase their own. Parents searching for cheap car insurance for teenage drivers often find that family policies offer significant savings compared to separate policies.
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. Find the best auto insurance for families.
When choosing the best car insurance for teen drivers, consider factors like driver education programs, academic performance discounts, and safe vehicle choices that can help reduce premium costs. Auto insurance for minors typically costs more, but combining policies with experienced drivers can lead to substantial savings.
Getting Cheaper Teen Auto Insurance in Florida
How much is car insurance for a minor? When you shop among Florida’s cheapest insurance for teens, you will see rate differences depending on your coverage choice.
Florida Teen Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $315 | $831 |
| $339 | $894 |
| $523 | $1,379 |
| $113 | $298 |
| $243 | $640 |
| $198 | $522 |
| $256 | $673 |
 | $158 | $416 |
| $632 | $1,668 |
| $88 | $233 |
While minimum coverage typically offers the cheapest insurance in Florida for young drivers, it only protects against damage to others’ property. For those wondering, “What is the best auto insurance for teenage drivers?” consider that full coverage provides more comprehensive protection.
To make auto insurance for teenagers more affordable, explore discounts offered by various providers like Allstate’s student driver insurance discount. See the table below:
Auto Insurance Discounts for Florida Teens From Top Providers
| Insurance Company | Available Discounts |
|---|---|
| Multi-policy, Safe Driver, Early Bird, Good Student |
| Multi-Vehicle, Loyalty, Early Bird, Generational, Defensive Driving Course |
| Multi-policy, Multi-Vehicle, Electronic Payments, Good Student, Safe Driver |
| Military, Federal Employee, Multi-Vehicle, Safe Driver, Good Student |
| Multi-policy, Exclusive Group Savings, Homeowner, Safe Driver, Good Student |
| Multi-policy, Accident-Free, Safe Driver, Defensive Driving, Easy Pay Sign-Up |
| Multi-policy, Multi-Vehicle, Continuous Insurance, Safe Driver, Online Quote |
| Accident-Free, Defensive Driving Course, Good Student, Multi-Vehicle, Multi-policy |
| Multi-policy, Multi-Vehicle, Good Student, Driver Training, Hybrid/Electric Vehicle |
| Military, Safe Driver, Good Student, Multi-policy, Defensive Driving Course |
The cheapest car insurance in Florida for young drivers often comes with special programs for new drivers. Auto insurance discounts in Florida range from good student to multi-car discounts.
Read More: Auto Insurance Companies Pulling Out of Florida
Find the Most Affordable Car Insurance for Teenage Drivers in Florida
When shopping for the cheapest teen driver auto 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 cheap insurance for teens? Use our free quote tool to find teen car insurance quotes in Florida.
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Frequently Asked Questions
How much is auto insurance for a minor in Florida?
The 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. Finding cheap car insurance for teens requires comparing multiple providers to get the best rates.
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, offering competitive teenage car insurance rates.
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.
Is Geico or Progressive cheaper for teen driver auto insurance in Florida?
On average, Progressive has the cheapest insurance for teenage drivers in Florida compared to Geico. Compare cheap car insurance in Florida for young drivers using our free quote tool.
Can a 16-year-old get their own auto insurance in Florida?
Yes, teenagers can get their own auto insurance policy, but car insurance for minors is typically the cheapest when 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’s teenage car insurance has the cheapest 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 about this 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. Find out how you can help teen drivers get their first licenses.
How can I save on my teen driver’s auto insurance in Florida?
To save on auto insurance for teenagers, make sure to shop at the companies with the cheapest teen auto insurance.
What is the cheapest car to insure for a 17-year-old?
The most affordable auto insurance for teenagers in Florida typically comes with Honda Civic, Toyota Corolla, and Mazda 3 models, averaging 20-30% lower rates than other vehicles.
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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.