With Florida’s rapidly growing population, more teen drivers are on the road. As of 2024, the Sunshine State had more than 900,000 drivers between the ages of 15 and 19 — a number that’s more than doubled since 2021.^[1]

Teen drivers are more likely to be in severe accidents than other age groups, so it’s no surprise that they have higher car insurance rates. The average cost of full-coverage car insurance for teens in Florida is $392 per month, compared to the state’s full-coverage average of $232, according to Insurify data.

But teen drivers may be able to save money by adjusting their coverage, taking a safe driving course, or asking about other discount programs.

Here’s what Florida teens need to know about the cost of coverage and how to find cheap car insurance.

Cost of insurance for 18-year-olds in Florida

Florida is one of the most expensive states for car insurance among all age groups, and the average annual premium is particularly pricey for teens. But rates can vary significantly between insurers. Shopping around can help teen drivers find lower rates for their policies.

Below is a look at the average rates from some of the top insurers:

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Cost of adding a teen to parent’s policy vs. their own policy

Unlike some types of insurance, there’s no age limit for car insurance. If you have a teen or young adult living in your home, you can add them to your car insurance policy.

For parents of teen drivers, it can be more cost-effective to add the teen to an existing policy than to purchase a stand-alone policy. In general, although adding a teen will increase your insurance rate, it’s cheaper than purchasing separate coverage.

For example: Two parents pay a total of $316 per month for full coverage. If they add a teen driver, their monthly cost would rise to $599 — a difference of $283. By contrast, a teen buying full-coverage insurance on their own would pay $372, or $89 more than if they were added to an existing insurance policy.

But this may not be a good approach if the parent doesn’t have an existing policy or has a history of driving issues or claims. In that case, it may be better to purchase a separate policy.

The table below shows how the policy average fluctuates based on parents and teens.

Factors affecting insurance rates for 18-year-olds in Florida

In Florida, insurers take several factors into account to determine car insurance premiums. The following factors can affect an 18-year-old’s rates:^[2]

• 

  Age and gender

  Statistically, young men are more likely to engage in risky driving behaviors and be involved in accidents, so they tend to pay higher rates than women.

• 

  Driving experience

  New drivers, regardless of age, will pay a higher rate than more experienced drivers. Teens who have a limited driving history will have higher premiums. And if they have a record of tickets or accidents, drivers will pay even higher rates.

• 

  Vehicle make and model

  The make, model, and cost of your car affect your rates. Cars that are more expensive to repair and replace will usually cause you to have higher insurance costs, so a cheap car can make more sense for teen drivers.

• 

  Location

  Insurers consider where you live and commute when deciding your rates. People who live and work in areas with a lot of traffic or higher crime rates will pay higher premiums since they’re more likely to file a claim. In Florida, teen drivers in Miami, Tampa, and Fort Lauderdale pay much more for coverage than drivers in other cities.

• 

  Credit

  Although some states prohibit the use of credit reports in setting car insurance rates, Florida doesn’t. In Florida, insurers can review drivers’ credit reports, and drivers with poor credit will pay a higher rate for coverage.

• 

  Discounts and bundles

  If you qualify for discounts, you could reduce your premiums. Drivers may qualify for good student discounts, accident-free discounts, and more.

• 

  Coverage amounts

  In Florida, the state requires drivers to maintain liability coverage (drivers carry property damage and bodily injury liability), but the state’s requirements are low. If you opt for higher coverage limits or add comprehensive or collision coverage, your premiums will be higher.

Comparing teen driver rates in Florida with other age groups

In Florida, drivers in their teens and 20s pay substantially more for car insurance. Rates decline as drivers age. For example, older drivers in their 50s pay $211 per month for full-coverage policies — compared to 18-year-olds, who pay $329 per month.

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How to reduce insurance costs for 18-year-olds

Teens in the Sunshine State may pay higher rates for car insurance, but several discount programs and options are available to lower your premiums:

• Good student discounts: If a teen is enrolled in high school or college and maintains good grades — usually a “B” average or its equivalent — they may be eligible for a discount. The discount varies by insurer, but drivers can typically save 10%.

• Defensive driving courses: Several insurers offer discounts to teen drivers who complete approved safe driving courses.

• Choosing a higher deductible: The deductible is how much the policyholder has to pay before the insurer begins paying out a claim. Raising the deductible will decrease your premiums, but you’ll have to pay more out of pocket if you file a claim.

• Choosing the right car: For teen drivers, an older, inexpensive car is likely a better choice — and cheaper to insure — than a newer or pricey vehicle. Insurify research found the Subaru Forester, Honda Odyssey, and Ford Ranger among the cheapest vehicles to insure.

• Bundling policies or joining a parent’s policy: If a teen rents an apartment, bundling their car insurance with an existing renters insurance policy could help them save money. Or, if their parents have a policy, getting added to the existing coverage can be cheaper than buying a separate auto insurance policy.

• Telematics: Usage-based insurance policies that use mobile apps or telematics devices base premiums on driving habits. People who maintain safe driving habits can save money.