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How much will adding my teen driver raise my Florida insurance rate?

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Adding a teen driver: what changes

Putting a teenager on your Florida auto policy raises the premium substantially. The material behind this guide does not give an exact percentage or dollar figure, and this page will not invent one. The size of the increase depends on the car, the coverage limits, and the discounts already on the policy — your agent can tell you the exact number for your household.

Discounts that can offset the increase

Ask your agent whether you already get these. Most insurers offer them but do not volunteer them:

• Good student discount — usually requires roughly a B average and the driver being under 25.
• Driver training / driver education course completed by the teen.
• Telematics or usage-based program — the trade-off is that the insurer tracks how the teen drives.
• Multi-car discount, if you insure more than one vehicle with the same company.
• Bundling the auto policy with renters or homeowners insurance.
• Paying the premium in full, or enrolling in paperless billing and autopay.

Discounts Florida law requires — ask for these too

These apply to the whole policy, not just the teen driver, and your insurer must give them if you qualify — but you have to ask and provide proof:

• A discount for completing an approved defensive-driving (accident prevention) course. Florida law requires insurers to offer it, and it must be available to drivers 55 and older, lasting three years (Fla. Stat. 627.0652). If anyone else on the policy is 55 or older, check this.
• A discount for approved anti-theft devices and for airbags or other passive restraints in the car — this can apply to the car your teen drives (Fla. Stat. 627.0653).

Coverage: what to keep, what to question

Florida requires at least $10,000 in Personal Injury Protection (PIP) and $10,000 in property damage liability (Fla. Stat. 627.733 · FLHSMV). Bodily injury liability is not required for most drivers, but it is strongly recommended, and this guide does not suggest dropping it — a teen driver is a reason to keep it, not remove it. If the car is financed, the lender requires collision and comprehensive coverage; those cannot be dropped. On an older, paid-off car, collision and comprehensive may not be worth the cost — ask your agent to run the numbers before you decide anything.

One thing never to do

Do not leave the teen off the policy to keep the premium down. Every driver in the household who drives the car should be listed. Ask your agent or the Florida Office of Insurance Regulation if you are unsure how this works for your family.

What to do next

This page is general information, not insurance advice, and it can be wrong. The free tool at Auto Insurance Cutter FL reads your own premium, coverages, cars and drivers — including the teen — and lists the discounts you likely qualify for and the coverage questions worth asking, in English or Spanish. Nothing you type is stored. For anything you are not sure about, confirm with your agent or call Florida's insurance consumer helpline at 1-877-693-5236.

Auto Insurance Cutter FL explains Florida auto-insurance discounts and coverages in plain language; it can be wrong, and it is not insurance or financial advice. It does not recommend any insurer and does not promise savings. Confirm with a licensed agent or the Florida Department of Financial Services. Nothing you paste is stored.