Best Cheap Auto Insurance Quotes for High School Students in Florida

Our content editors always give us grief that when writing about auto insurance, the words “affordable” or “cheap” really should not be used as a descriptor for auto insurance rates. Sad but true, cheap auto insurance for high school students does not exist. Don’t let that get you down, though, because there may be ways you can quote auto insurance that is cheaper than your current policy.

Trying to buy low-priced auto insurance is hard enough, and determining which company offers the cheapest auto insurance rates for high school students will require even more rate comparisons. Insurance rates should be much pricier than the average rate in Florida, with the higher price attributed to the potential for higher claims associated with offering coverage for teenagers, but reasonably-priced insurance may be possible if you find the right company. Every auto insurer has their own process to set policy rates, so we’ll take a look at the overall cheapest auto insurance companies in Florida.

It’s a good idea to be aware that Florida auto insurance rates are calculated based on many things which can significantly increase or decrease the price of coverage. Price variation is why it is crucial to shop around with many companies when trying to get the cheapest auto insurance quotes for high school students. Insurance prices are determined by many risk factors and change substantially, so the lowest-price company when you bought your policy may now be quite expensive.

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USAA quotes some of the most affordable car insurance rates in Florida at around $948 per year. Electric, Amica, Progressive, and Travelers are also some of the lowest-priced Florida auto insurance companies.

As illustrated above, if you are currently insured with Amica and switched to USAA, you could realize a yearly savings of roughly $798. Florida drivers with Progressive might save as much as $881 a year, and Travelers customers might lower prices by up to $921 a year.

Understand that those rates are averaged across all insureds and vehicles and are not factoring in a rate increase for high school students. So the auto insurance company that can offer you the best rate may not even be shown in the rate chart shown above. That illustrates why you need to compare as many prices as possible using your own driver and vehicle profiles.

When shopping for cheaper insurance for teenagers, one of the many things that helps insurance companies calculate a rate quote is where you normally keep your vehicle. Areas that are more densely populated like Hialeah, Miami Gardens, and Miramar will most likely have higher rates, whereas areas with less crime or weather claims benefit from lower prices.

The illustration below shows the most costly cities in Florida for high school students to buy car insurance in.

Table data uses estimated as the specific Florida residence address can lower or raise coverage prices greatly.

Cost and performance of the vehicle requiring coverage is a large consideration when comparing the most affordable car insurance for high school students. Vehicles with high performance engines, poor safety features, or a high likelihood of having liability claims will cost significantly more to insure than safer models.

The tables below ranks coverage premiums for a handful of the more afforable vehicles to buy insurance for.

Data based on single male 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 vehicle location which can affect premium rates noticeably.

Data assumes single male driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in your specific Florida location which can influence premiums noticeably.

Data based on single male driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in specific garaging location which can lower or raise coverage rates significantly.

Which auto insurance company is best in Florida?

Selecting a good quality insurer can be difficult considering how many companies are available to choose from in Florida. The information below may help you analyze which companies to look at when trying to find cheaper insurance for high school students.

The ratings below only include companies who write in the majority of U.S. states, so companies with more of a regional focus are not taken into consideration for these rankings. To compare prices from these and other competitive companies, click this link.

Top 10 Large Auto Insurers in Florida Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. The General
9. 21st Century
10. Esurance

Top 10 Large Auto Insurers in Florida Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

Discounts on Florida car insurance

Car insurance companies that sell the best cheap auto insurance for high school students in Florida may also provide rate discounts that could reduce prices by 25% or more if you meet specific criteria. A list of auto insurance companies and a partial list of their discounts are included below.

• GEICO discounts include defensive driver, seat belt use, federal employee, good student, anti-lock brakes, and daytime running lights.
• SAFECO offers discounts for drive less, multi-car, accident prevention training, anti-theft, safe driver, teen safe driver, and bundle discounts.
• State Farm has savings for accident-free, multiple policy, student away at school, defensive driving training, and good driver.
• MetLife may have discounts that include multi-policy, good driver, claim-free, good student, defensive driver, and accident-free.
• 21st Century offers premium reductions for homeowners, student driver, driver training, anti-lock brakes, 55 and older, air bags, and automatic seat belts.
• Progressive may include discounts for online quote discount, online signing, continuous coverage, good student, and multi-policy.

The example below visualizes the comparison of car insurance rates with and without discounts being applied to the rates. The rates are based on a female driver, no accidents or driving violations, Florida state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with continuous coverage, good student, paperless filing, vehicle safety, passive restraint, and anti-theft discounts applied. When discounts are factored in, the the average yearly reduction on auto insurance for high school students is 28% or $763.

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State Farm, Geico, Progressive, and Allstate compared

When shopping for auto insurance for teenagers in Florida, four companies to take a look at are State Farm, Geico, Progressive, and Allstate. All four offer physical damage and liability coverage, but each has a distinct set of features and optional coverages that may influence your buying decision. The table below shows ratings for price and service, as well as some optional coverages that are available for policyholders.