Best Cheap Car Insurance Quotes for Drivers Under 21 in Florida

The vehicle model on the policy is a large factor when shopping around for the cheapest auto insurance for drivers under 21. Vehicles with lower acceleration and performance, good safety features, or a track record of few liability claims will cost significantly less to insure than adrenaline junky models.

The list below estimates coverage premiums for a selection of the cheapest automobiles to insure in Florida.

Data variables include single female driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in your specific Florida location which can influence premiums greatly.

Looking at the rates, vehicles like the Honda CR-V, Ford Escape, Honda Odyssey, Ford F-150, and Chevrolet Traverse are a few of the more affordable vehicles to insure for minors. The price for car insurance will tend to be higher because there is more claim risk for drivers under 21, but generally speaking those specific models will most likely have the best rates available.

One of the many things that aid in calculating auto insurance rates is your address in Florida. More populated areas like Hialeah, Miami, and Miramar will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims receive better rates.

The table below lists the most expensive cities in Florida for drivers under 21 to purchase car insurance in.

Table data uses approximated as the garaging address in Florida can modify coverage rates considerably.

Determining which company offers the best car insurance rates for drivers under 21 involves a little more effort in order to find the lowest price quote. Every auto insurer has their own unique process for determining rates in each state, so let’s look at the rankings for the car insurance companies with the overall cheapest rates in Florida.

It’s a good idea to know that Florida car insurance rates are based on many factors that control your annual premium. Improving your credit score, buying a home instead of renting, or having an accident can produce rate changes that may make certain companies more affordable than before.

Best Car Insurance Prices for Minors

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USAA has some of the lowest car insurance rates in Florida at around $948 annually. Electric, Amica, Progressive, and Travelers would also make the list of some of the best Florida insurance companies.

As shown above, if you are a policyholder with Travelers and switched to Electric, you could see savings of around $175. Policyholders with Allied could save as much as $232 a year, and Mercury customers might cut rates by $298 a year.

To see if you’re overpaying, click here to get a free quote or visit several of the following companies.

It’s important to note that these rates are averaged for all insureds and vehicles and do not take into consideration a rate surcharge for drivers under 21. So the company that has the cheapest price for you may not even be featured in the list of companies above. That underscores the importance of why you need to compare rates from multiple companies using your own driver data and vehicle information.

Choosing the top insurance company can be challenging considering how many choices you have in Florida. The company ratings listed below may help you choose which companies to look at purchasing a policy from. These ratings include large, nationwide insurance companies, so smaller companies that only insure vehicles in Florida are not factored into the list.