Adding a teen driver usually raises a family’s auto premium because young drivers have less experience. In Florida, most families save by keeping the teen on the parents’ policy, choosing the right car for them, and asking about good student and driver training discounts.
Talk to an independent broker in Sunrise
Insurance Risk Advisors compares coverage from multiple A-rated carriers for Broward, Miami-Dade and Palm Beach County.
When should I add my teen to my policy?
Call your broker when your teen gets a learner’s permit. Some carriers cover permit holders automatically while others want them listed. Once your teen is licensed, they should be added to the policy right away.
Leaving a licensed teen off the policy can cause problems with a claim, so it is worth a quick call.
How can I lower the cost of insuring a teen driver?
Ask about good student discounts, which many carriers offer for a B average or better. Driver education courses and telematics programs that reward safe driving can also help.
The vehicle matters too. A safe, older sedan usually costs far less to insure than a new sports car or a large SUV.
Want to compare your options?
We shop several carriers so you can see real prices side by side.
Should my teen have their own policy?
In most cases a separate policy costs more, and the teen loses the multi-car and multi-policy discounts on the family plan.
We shop several carriers because each one rates young drivers differently. The difference can be significant.
Frequently Asked Questions
Do I have to add my teen with a learner’s permit?
It depends on the carrier. Some extend coverage to permit holders automatically, while others want them listed. Ask your broker.
Do good grades lower car insurance?
Many carriers offer a good student discount, usually for students with a B average or better.
Which car is cheapest to insure for a teen?
Safe, mid-size sedans and older vehicles with good safety ratings usually cost less than sports cars or large SUVs.
Get your free quote today
Request a quote online or call our Sunrise office. Insurance Risk Advisors has served South Florida for more than 35 years.
