Car insurance calculator for teens in Florida

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Car insurance for teens in Florida is more expensive than it is for older drivers, but costs depend on several factors, including age, gender, coverage limits, and the insurer you choose. Knowing the averages in your state can help you budget, compare quotes, and find the best option for your family.

Use our calculator to estimate what car insurance might cost for your teen in Florida. Having a ballpark figure makes it easier to budget, compare quotes, and choose the coverage that works best for your family.

Car insurance calculator for state teens

State

Florida

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Gender

Male

Male Female Non-binary

Age

16

16171819

Coverage level Full coverage – 100/300/100 liability, $500 collision and $500 comprehensive deductibles. State minimum liability – Liability coverage limits vary by state, no coverage for physical damage to your vehicle. Liability only – 100/300/100 liability, no coverage for physical damage to your vehicle.

Full coverage

Full coverage State minimum liability Liability only

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Average annual rates for state teen drivers

$11,668 Average rate

$18,523 Highest
rate

$6,875 Lowest
rate

Most expensive companies for auto insurance in ()

Company	Average annual rate
Allstate	$18,523
Mercury Insurance	$18,239
Farmers	$17,854

Least expensive companies for auto insurance in ()

Company	Average annual rate
GEICO	$6,875
State Farm	$7,393
National General	$8,279

Average car insurance costs for teens in Florida

Car insurance costs an average of $7,264 per year for teen drivers in Florida with coverage limits of 100/300/100-that’s $100,000 for one person’s injuries, $300,000 for all injuries in an accident, and $100,000 for property damage-plus $500 deductibles for collision and comprehensive coverage.

Teen drivers face higher car insurance rates than young adults or older drivers because they lack experience on the road. Insurers see them as higher risk, which leads to steeper premiums.

Insurance rates in Florida also vary based on the coverage limits you choose, the type of car you drive, and the ZIP code you live in. Florida families can lower costs by taking advantage of good student discounts, enrolling teens in a driving program and adding teens to an existing family policy rather than buying a separate one.

Teen car insurance rates in Florida, by age

Rates change quickly as teens get older. For example, a full coverage policy for a 16-year-old in Florida averages $9,010 per year. At 19, the average falls again to $5,685.

Premiums are still higher than those for adult drivers, but the steady decline shows how experience behind the wheel helps bring costs down over time.

See the table below for average teen car insurance rates in Florida by age.

Teen car insurance in Florida, by gender

In most states, insurers can use gender when setting rates. California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania are the exceptions. In Florida, a 16-year-old male driver pays about $9,721 annually, while a female of the same age pays $8,288 – a difference of $1,433.

Crash statistics back up this difference. The Insurance Institute for Highway Safety reports that 3,048 teenagers ages 13-19 died in vehicle crashes in 2023, and two out of three were male. Because young men are more often involved in serious accidents, insurers factor that risk into premiums.

The table below shows average teen car insurance rates in Florida by gender.

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Cheapest car insurance companies for teen drivers in Florida

Car insurance for teen drivers is expensive, but some insurers offer more affordable rates than others, which is why comparing quotes from multiple insurers is the best way to find the cheapest coverage for your teen.

In Florida, State Farm offers the lowest rates for drivers ages 16-19, averaging $5,541 per year for full coverage with 100/300/100 limits and $500 deductibles for collision and comprehensive.

The second-cheapest option for teen drivers in Florida is GEICO, with an average annual premium of $6,075.

The table below highlights the cheapest car insurance companies for teens in Florida.

Minimum car insurance requirements for teens in Florida

Like adults, teen drivers in Florida must carry at least the state’s minimum liability coverage:

• $10,000 per person for bodily injury
• $20,000 per accident for bodily injury
• $10,000 for property damage

These minimums provide only basic protection, and medical care or repairs costs can quickly exceed them. That’s why many families choose higher coverage – especially when adding a teen driver.

Lenders will also require comprehensive and collision coverage if your car is financed or leased. These cover damage to your own vehicle after an accident, theft, or severe weather.

Smart ways to save on car insurance for your teen

There’s no avoiding the fact that insuring a teen driver costs more, but you can take steps to manage the expense while keeping them safe on the road:

• Check state averages. Knowing what families typically pay in your state gives you a ballpark figure to budget and compare against quotes.
• Choose the right car. A safe, reliable sedan is far cheaper to insure than a luxury or sports car.
• Consider full coverage. Liability is cheaper, but full coverage offers better protection against accidents, injuries, and costly repairs.
• Ask about discounts. Many insurers reward good grades, defensive driving courses, or low mileage with lower rates.
• Talk with your teen. Driving isn’t just freedom – it’s responsibility. Open conversations about risks and safety can encourage habits that save lives.
• Review your rates each year. Premiums usually drop as your teen gains experience and keeps a clean record, so it’s worth checking annually.

Giving your teen a safe start on the road

Adding a teen driver to your policy will raise costs at first, but rates typically decline as they gain experience.

You can keep expenses under control by comparing quotes, bundling policies, and taking advantage of discounts. More importantly, the right coverage helps your teen build confidence and keeps your family financially protected as they start driving.

Methodology

Insure.com analyzed rates collected from Quadrant Information Services for teen male and female drivers aged 16-19 for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

To evaluate the premiums, our data experts compared rates 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes. The rates are for comparison purposes only; your exact rates may vary.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

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