How Adding a Teen Driver Changes Florida Auto Insurance

Learn what happens when you add a teen driver to a Florida auto policy, including rates, coverage choices, discounts, vehicle assignment, and timing.

TL;DR:** When your teen gets a Florida learner’s permit or license, tell your insurance agent promptly. Your policy may need to list them as a driver, and the premium will often rise because insurers rate new drivers as higher risk. The good news is that you still have choices. The vehicle your teen drives, your liability limits, available discounts, and how the teen is assigned on the policy can all matter. Here is what I would tell my own family before handing over the keys. What you need Before you call, gather the teen’s full legal name, date of birth, Florida permit or license status, and the vehicles in your household. It also helps to know who will drive each vehicle most often, whether your teen will take a driver education course, and whether they have good grades. Have your current declarations page handy if you have it. That page shows the vehicles, drivers, deductibles, limits, and optional coverages currently on your policy. At B & B Insurance Agency, we can review that information and shop multiple carriers, which is especially helpful when a new teen driver changes the household rating. One important point up front. Do not assume your teen is automatically covered just because they live with you. Rules can vary by insurer and by permit versus license status. The safe move is to notify the carrier or your independent agent as soon as your teen begins driving. 1. Tell your insurer when your teen starts driving Florida teens typically begin with a learner’s license before moving to an intermediate license and then a full Class E license. Florida’s graduated licensing requirements include supervised driving and restrictions for younger drivers. You can review the current requirements through the Florida Department of Highway Safety and Motor Vehicles. From…