)
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Featured in
)
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Updated
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.
Table of contents
Table of contents
Shopping for car insurance can be difficult no matter your age, but teen drivers and their parents have to deal with especially high average rates.[1] Insurify analyzed 50 car insurers to determine the best car insurance companies in Florida for teen drivers.
Here’s what you need to know about finding cheap coverage in Florida for young adults from the best car insurance companies.
Best car insurance companies in Florida for young adults
When searching for the best car insurance companies, it’s important to spend some time shopping around for the right company. It’s a good idea to compare quotes from at least three different insurers to see which one can offer you the best price.
You should look for an insurance company with cheap average rates and quality coverage offerings. Start your search for the best car insurance in Florida below.
State Farm: Best overall
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. | 9.3 /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. | $70/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. | $88/mo |
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.
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.
Daniel
April 16, 2025
Good
Betina
April 16, 2025
Great! Need Lower Cost!
Juanita
April 16, 2025
I am the Policyholder
State Farm is a great choice for young Florida drivers because it offers a variety of teen-friendly discounts, digital tools like a mobile app to track driving habits, and financial stability. Parents can have peace of mind while their teen is on the road thanks to 24/7 customer support from a trusted insurance company with more than 100 years of experience.
24/7 phone-based customer support
AM Best financial strength rating of A++ (Superior)
Various bundling and discount opportunities
Gap insurance not available
Mixed customer reviews on Trustpilot
No rewards program for long-term customers
GEICO: Best for teens on their own policy
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 /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. | $91/mo |
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.
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.
Joel
April 16, 2025
Best rates out there
Juan
April 16, 2025
Excellent
Paul
April 16, 2025
Price
GEICO offers Florida drivers affordable rates. This is a huge win for teens paying monthly premiums for an insurance policy separate from their parents’ coverage. Teens who want to save more can look into GEICO’s more than 30 discounts, including savings for completing a defensive driving course, maintaining a clean driving record, and having safety features like anti-lock brakes or anti-theft systems.
Many available discounts
Above-average J.D. Power customer satisfaction rating in Florida
Can access your policy online 24/7
Live customer support is difficult to access
Gap insurance not available
Many teens can’t take advantage of bundling discount
Allstate: Best for good students
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. | 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. | $121/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. | $154/mo |
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.
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.
Clifford
April 16, 2025
Happy with the Quote
Robert
April 15, 2025
Excellent
Dontae
April 15, 2025
Average
Allstate makes the traditional “good” student discounts much more accessible with its smart student discount. Unmarried drivers younger than 25 can qualify for this discount by maintaining a B- average or higher, completing the teenSMART driver education program, or attending school at least 100 miles from their car’s garage location.
Bundling available
Rideshare insurance available
Above-average J.D. Power customer satisfaction rating in Florida
Below-average J.D. Power claims satisfaction rating
Some negative customer feedback on Trustpilot and the Better Business Bureau (BBB)
More expensive average rates than some competitors
Travelers: Best for teen drivers with an incident
User Reviews | 4.7 |
---|---|
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 /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. | $144/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. | $183/mo |
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
Kristi
April 16, 2025
Good, but not great
Irwin
April 14, 2025
Need Assistance with Accessing Declaration Page
Jacqueline
April 13, 2025
Frustrated Policyholder in FL
Travelers is a solid car insurance option for teen drivers with a driving incident on their record. Travelers offers accident forgiveness and minor violation forgiveness coverage that can help teens avoid premium increases after their first accident or violation. Additional features from the insurance company can provide more peace of mind, including its decreasing deductible and total loss deductible waiver.
Multiple student discounts
Gap coverage available
Bundling available
Below-average J.D. Power customer satisfaction rating in Florida
Rideshare insurance not available in Florida
Unimpressive App Store reviews
Progressive: Best for multi-car policies
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 810 |
---|---|
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. | 8.4 /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. | $182/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. | $274/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Charles
April 16, 2025
Promised savings that didn't materialize
Deborah
April 16, 2025
Excellent
Tonya
April 16, 2025
Very Good Experience
Progressive is a great choice for households with multiple cars. The company offers an average of 12% in savings for drivers who insure more than one vehicle on the same insurance policy. You can add cars owned by family members, spouses, or roommates as long as they’re kept at your address. This can help everyone save on car insurance.
Teen-friendly mobile app with high ratings
AM Best financial strength rating of A+ (Superior)
24/7 customer support
Below-average J.D. Power customer satisfaction ratings in Florida
Mixed customer reviews on the Trustpilot and BBB websites
Higher average rates for teens than some competitors
Our editorial team analyzed regional and national auto insurance companies that sell policies in Florida to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How young drivers can save on car insurance
Understandably, many young drivers look for ways to lower their car insurance costs. You can potentially earn savings by taking several different steps. Learn more about ways for young drivers to lower premium costs below.
Join a parent’s insurance policy
When you insure more than one driver, the insurance company will often offer a discount.
Ask about discounts
An insurance agent can provide more information about what car insurance discounts your whole family, including young drivers, can benefit from. Young drivers in Florida can potentially save on car insurance with the help of good student, defensive driving, driver education, bundling, telematics, and low-mileage discounts.
Keep a safe driving record
Most drivers see their car insurance rates decrease with age as they gain more driving experience. But that only applies if they practice safe driving habits. Teens and young adults should avoid accidents, speeding tickets, and DUIs if they want to stay safe on the road and save money.
Bundle policies
Parents can bundle other insurance products they already pay for, like homeowners insurance, with their auto insurance policy to qualify for a bundling discount. Young adults who live separately from their parents can often bundle a renters insurance policy to save.[2]
How much is car insurance for a new driver in Florida?
On average, new teen drivers in Florida pay $256 per month for liability-only coverage and $387 for a full-coverage insurance policy. It’s important to note that how much you’ll spend varies based on factors like your ZIP code, driving record, age, vehicle make and model, and more.
Like most states, Florida has faced increasing car insurance rates in recent years. The average cost of full-coverage car insurance in Florida increased by 9% from 2023 to 2024, according to Insurify’s latest car insurance report. Insurify estimates that Florida drivers will experience an additional 10% increase in premiums in 2025.
Best car insurance in Florida for teens FAQs
The following information can help answer your remaining questions about car insurance for teen drivers.
How much is car insurance in Florida?
The average cost of car insurance in Florida is $150 per month for liability coverage and $227 for full coverage.
For teen drivers, this monthly average is higher, at $256 for liability coverage and $387 for full coverage.
What are the best car insurance companies in Florida for young drivers?
Allstate, State Farm, GEICO, Travelers, and Progressive are great auto insurance companies for young drivers. They offer a variety of student-friendly discounts, opportunities to save by taking defensive driving courses, and teen-friendly tech support and apps.
What car insurance discounts are available in Florida for young drivers?
Young drivers in Florida can save on their car insurance premiums by seeking out discounts specifically designed to help young adult and teen drivers save. Young drivers may qualify for discounts for good grades (student discount), driver’s education courses, safe driving records, bundling policies, low mileage, being accident-free, or joining a parent’s policy.
How much car insurance do you need in Florida?
To drive legally in the state of Florida, you must meet minimum coverage requirements. Florida drivers need to have at least $10,000 in personal injury protection coverage and $10,000 in property damage liability coverage.[3]
Related articles
)
Cheap Car Insurance Quotes in Florida Starting at $70
)
Cheapest Full-Coverage Car Insurance in Florida
)
Car Insurance Discounts for Florida Drivers
)
Find a Car Insurance Broker in Florida
)
Can I Drive in Florida With a Foreign License?
)
Best Car Insurance in Florida for Senior Drivers
)
Best Insurance for Antique and Classic Cars in Florida
)
Why Is Car Insurance So Expensive in Florida?
)
Uninsured Motorist Coverage in Florida
)
Non-Owner Car Insurance in Florida
)
How to Get a Florida Driver’s License
)
Best Car Insurance in Florida
)
Temporary Car Insurance in Florida
)
Cheap SR-22 and FR-44 Insurance in Florida
)
Rideshare Insurance in Florida
)
Car Insurance Requirements in Florida
)
Cheap Car Insurance in West Palm Beach, FL, From $87
)
Cheapest Car Insurance in Winter Haven, FL,
)
Cheapest Car Insurance Quotes in Tampa, FL
)
Best Cheap Car Insurance in Tallahassee, FL, From $60
)
Best Cheap Car Insurance in Spring Hill, FL, From $69
)
Best Cheap Car Insurance in Sarasota, FL, From $53
)
Best Cheap Car Insurance in Saint Petersburg, FL, From $75
)
Cheapest Car Insurance in Riverview, Florida
)
Best Cheap Car Insurance in Pensacola, FL, From $61
)
Cheapest Car Insurance Quotes in Pompano Beach, FL
)
Cheap Car Insurance in Panama City, FL, Starting at $54
)
Cheap Car Insurance in Palm Bay, FL, Starting at $59
)
Best Cheap Car Insurance in Orlando, FL, From $73
)
Best Cheap Car Insurance in Ocala, FL, From $60
)
Cheap Car Insurance in Naples, FL, Starting at $61
)
Cheap Car Insurance in Miami, FL, Starting at $96
)
Best Cheap Car Insurance in Lakeland, FL, From $63
)
Best Cheap Car Insurance in Melbourne, FL, From $56
)
Cheap Auto Insurance Quotes in Lake Worth Beach, FL, for 2025
)
Best Cheap Car Insurance in Jupiter, FL, From $65
)
Cheap Car Insurance in Jacksonville, FL, Starting at $68
)
Best Cheap Car Insurance in Gainesville, FL, From $54
)
Best Cheap Car Insurance in Fort Myers, FL, From $64
)
Best Cheap Car Insurance in Fort Lauderdale, FL, From $87
)
Best Cheap Car Insurance in Daytona Beach, FL, From $64
)
Cheapest Car Insurance Quotes in Davenport, FL,
)
Best Cheap Car Insurance in Clearwater, FL, From $68
)
Cheap Car Insurance in Cape Coral, FL, Starting at $64
)
Best Cheap Car Insurance in Apopka, FL, From $70
Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "How to save money on car insurance."
- Florida Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
)
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Jacqueline has been a contributor at Insurify since October 2022.
)
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in