Get Cheap Car Insurance for Teens and Young Drivers

Now that you get your brand new driver license and you are behind the wheel, you have to start thinking about full coverage car insurance. First-time driver insurance can be costly. Car insurance for college students, teenagers, and new drivers tends to be quite expensive. Young drivers make up 18% of the licensed drivers in the United States and are typically viewed by all insurers as the riskiest and costliest group of drivers to insure. But don’t worry, there are opportunities to save if you get a free online quote from our website or call our professional insurance agents 813-849-7000 to give you the right quote.

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Car accidents are the number one cause of death among teens in the U.S., so when it comes to driving, the majority of parental fears are warranted. It’s also important to remember to communicate the seriousness of the sudden responsibility. The government experts are committed to making teen driving safer. Also encouraging parents to have a sit-down discussion with their children before they start driving. To help make that conversation a little easier, Florida Department of Highway Safety and Motor Vehicles has provided some important safety tips.

How to get cheap car insurance for teens and young drivers.

In the US, car insurance rates are determined by a number of factors. These factors include age, gender, location, vehicle, and driving record. Insurance companies also take into consideration the type of vehicle you’re driving and the number of miles you drive each year.
The average cost to insure a car in the US ranges from $600 to $3,000 per year. The cost varies depending on the type of vehicle you drive and where you live in the country. For example, if you live in an urban area like Miami, FL, or driving in Dallas, TX where there is a higher crime rate or more traffic accidents than other areas in the country then your insurance will be higher than someone who lives in rural areas.

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New drivers need to compare prices to find the cheapest and best rates.

What can you do to help lower your car insurance rate?


Teenagers are more likely to shuffle through their smartphone in search of a suitable song before they think about putting on their seatbelt. Be clear that fastening your seatbelt should be the very first thing you do when you go in the car before keys are even in the ignition.

NO Texting!

There are enough distractions outside of the vehicle, so please explain the importance of paying strict attention to the road at ALL times. Cell phones, music, passengers and pets can be huge distractions, especially texting. Every second a teen takes their eyes off the road could be an opportunity for a terrible accident. So never use the phone when driving. Auto insurance rates can skyrocket after a citation for distracted driving. Due to the big number of accidents that are related to using the phone while driving, jurisdictions have made the use of the phone while driving illegal. Many jurisdictions have enacted laws to ban handheld mobile phone use when driving a vehicle.

Drinking alcohol and driving

No one under the age of 21 should be drinking alcohol. But teens will be teens, so emphasize the necessity of always having a designated driver. Make sure they understand the law and it’s never too late to call for a ride home. If you do a car accident and you are drunk you will get a DUI ticket and you may need to file SR-22 or FR-44 certificate.

Defensive driving

New drivers should be very sensitive to all surroundings since they’re still developing basic driving skills and habits. Teach teenagers to watch out for other drivers and be aware of their reactions to avoid collisions.


Discuss the fines associated with tickets and violations. Share a personal experience you had getting a ticket and sitting in traffic court. Let them know that they will be responsible for any monetary repercussions or other consequences.

Roadside emergencies and car maintenance

Go over what to do and whom to call in an emergency. Do they have roadside assistance and auto insurance for teens readily available? Make sure they know not to lose that information, it’s best to always keep it in the car. Introduce them to basic car maintenance, by taking them for regular oil changes, tire rotations, and car inspections. That way, they can start scheduling their own appointments when necessary.

Engage in this conversation often to drive these points and help teens make good decisions. This way you can get cheap car insurance for teens, young drivers, new drivers and first time drivers.

Average Cost Per Year State Minimum Car Insurance Basic Full Car Insurance Full Car Insurance
Florida $835 $1,620 $1,920
Texas $718 $1,565 $1,842
Tennessee $539 $1,354 $1,583

Best Ways to Get Cheap Car Insurance for Teens & Young Drivers Online

There are many ways to get cheap car insurance for teens and young drivers online. One of the best ways is by comparing rates from our agency. There are many reasons why car insurance is expensive for young drivers, such as inexperience, a higher risk of accidents, and lack of driving history.

Car insurance is a major monthly expense for most people. This can be an incredible burden on your budget, especially if you only have one vehicle. Adding a young driver to your policy will increase your monthly payments. There are some ways to help lower your car insurance rate that can make a big difference without costing you much more money in the process. Start your quote and our agents will help you with all questions and lower your auto insurance.

Please don’t forget to go to the Florida Department of Highway Safety and Motor Vehicles website for additional help on driver safety, and regular car maintenance.

Get a Free Car Insurance Quote Today!

Get the cheapest automobile insurance quote for teens and new drivers in Florida from multiple insurance companies for the best price. Only takes 4 minutes to find the best insure rate online at Contact our licensed insurance agents (813)849-7000 for cheaper vehicle insurance quotes and save.

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