Florida Car Insurance Requirement for Teen Drivers

Before, the prevalence of teen car crashes that happened in Florida was very high compared to any other states in US. To prevent this from worsening, the state of Florida was one of the few states to instate the Graduated Driver’s License (GDL) program. Starting from 1996, teenagers were obliged to undergo three stages of licensing when applying for the standard permanent license. In just one year of enforcing the program, the number of teen accidents in Florida plummeted with 9% decrease.  

Whether the vehicle is registered under a teen’s name or added to the parent’s existing policy,  the state of Florida requires every driver to carry the minimum auto liability coverage of $10 000 per injured person and $20 000 per accident for bodily injury liability and $10 000 for property damage liability. This auto liability coverage is usually referred as 10/20/10.  Because the teen drivers are statistically referred ad high risk driver, their car insurance rate significantly higher compared to the regular policy.

If you wish to add your teen driver to your existing policy, then remember that your premium per year will climb up ranging from   $1,200 to $4,900 per year. Although Florida car insurance for teens will greatly increase your premiums, keep in mind that this type of insurance is a lot expensive than other policies. But don’t worry because there are many ways on how to qualify for discounts for teen Florida auto insurance. Insurance companies usually offer 10 – 15% discounts if you get an average of B on your academic class and you successfully completed the state-approved driving course.

You can also reduce your premiums on your teen car insurance if you refrain from buying expensive cars like sports car for your teen.  You can also raise the deductible or club several policies in one like health, home, life insurance etc.