Teen Driver Insurance in Florida: Parent & Teen Guide
Florida requires $10,000 in property damage liability and personal injury protection (PIP) and is a no-fault state.
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Florida at a Glance
$10,000
Minimum property damage liability
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
15
Minimum learner's permit age, 50 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Florida
Teen drivers in Florida progress through a graduated licensing system: learner's permit at 15, intermediate license at 16 with nighttime driving restrictions (11 p.m.–6 a.m. curfew for the first three months, then 1 a.m.–5 a.m.), and unrestricted license at 18. Florida law mandates that all insurers offer good student discounts to drivers under 25 who maintain at least a B average, making this one of the most valuable cost-reduction tools for parents adding a teen driver.
Personal Injury Protection (PIP)
Property Damage Liability (PDL)
Bodily Injury Liability (Optional but Recommended)
Uninsured Motorist Coverage
Collision and Comprehensive Coverage
What Drivers Pay in Florida
$361–$699/mo
Typical monthly rate in Florida, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
What Affects Your Rate
- This is the single highest-value discount for most families and is legally required by all Florida insurers.
- Telematics programs: Insurers including Progressive, State Farm, and Geico offer usage-based insurance programs that monitor braking, speed, and mileage.
- Vehicle type and age: Insuring a teen on an older, paid-off sedan with strong safety ratings costs significantly less than adding them to a newer SUV or sports car.
- Some carriers require course completion for coverage of drivers under 18.
- Add-to-parent vs. separate policy: Adding a teen to a parent's existing multi-car, multi-driver policy almost always costs less than getting the teen a standalone policy.
Cover Your New Driver for Less
Compare Teen Driver Insurance RatesRules for new drivers
Night driving
age 16: 11pm-6am; age 17: 1am-5am
Passengers
none
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance (PIP + PDL + Bodily Injury)
Covers injuries and property damage your teen causes to others, plus your own medical expenses under Florida's no-fault PIP system. The foundation of every policy.
Uninsured Motorist Coverage
Protects your teen if they're injured by a driver with no insurance or insufficient coverage — a common scenario in Florida.
Collision Coverage
Pays to repair or replace your teen's vehicle after a crash, regardless of who was at fault. Required by lenders if the vehicle is financed.
Comprehensive Coverage
Covers non-crash damage to your teen's vehicle: theft, vandalism, weather damage, animal strikes, falling objects.
Full Coverage (Liability + Collision + Comprehensive)
The complete package: liability to cover others, collision and comprehensive to cover your teen's vehicle, plus PIP and uninsured motorist protection.
Good Student Discount
Florida law requires all insurers to offer discounts to drivers under 25 who maintain at least a B average (3.0 GPA). The discount applies to all coverages and typically saves 10–25% on the teen driver portion of the premium.