⦁ FLORIDA AUTO INSURANCE
Car Insurance for New Drivers in Florida
Whether you recently received your first license, moved to the United States, or are returning to driving after a long break, SunKey can help you compare car insurance options from multiple Florida carriers.
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UNDERSTANDING COVERAGE
Understanding Car Insurance for New Drivers
A new driver is not necessarily a young driver. Insurance companies may consider someone a new driver when they have limited driving or insurance history.
This can include newly licensed adults, teen drivers, people who recently moved to the United States, drivers without previous insurance, and people returning to driving after a long break.
The cost of car insurance for a new driver can depend on several factors. These include the driver’s age, driving experience, ZIP code, vehicle make and model, driving record, coverage limits, deductible, and whether the driver joins an existing household policy.
The right policy should meet Florida’s insurance requirements while providing suitable protection for the driver, vehicle, passengers, and household finances.
SIMPLE PROCESS
How It Works
Compare car insurance options for a new driver in four simple steps. No email address or cell phone number is required to begin.
Enter Driver Information
Provide basic information about the new driver, including age, licence status, address, and driving history.
Add the Vehicle Details
Enter the vehicle’s make, model, year, ownership status, and primary use.
Choose Your Coverage
Select the level of protection you want, from Florida’s minimum requirements to broader coverage.
Compare Available Rates
Review available options and choose a policy that fits the driver’s needs and budget.
FLORIDA LAW
Florida Insurance Requirements for New Drivers
New drivers must meet the same Florida insurance requirements as other vehicle owners. The required coverage must be maintained continuously while the vehicle is registered in Florida.
$10,000 Personal Injury Protection
Personal Injury Protection, commonly called PIP, helps cover certain medical expenses and lost income after an accident, regardless of who caused it.
$10,000 Property Damage Liability
Property Damage Liability helps pay for damage the insured driver causes to another person’s vehicle or property in a covered accident.
Florida Is a No Fault State
After an accident, drivers generally turn to their own PIP coverage for certain medical expenses, regardless of who was responsible. Many new drivers choose additional protection beyond the legal minimum.
Types of Car Insurance Coverage for New Drivers
What We Cover
Florida Minimum Coverage
A basic policy can include the Personal Injury Protection and Property Damage Liability coverage required to register and drive a vehicle in Florida.
Personal Injury Protection
PIP helps cover certain medical expenses and lost income following a covered accident, regardless of fault.
Property Damage Liability
This coverage helps pay for damage the insured driver causes to another person’s vehicle, building, fence, or other property.
Bodily Injury Liability
Bodily Injury Liability can help cover injuries caused to another person in an accident. It is not part of the standard minimum requirement for most Florida drivers but may be required in certain situations.
Collision Coverage
Collision coverage helps pay to repair or replace the insured vehicle following a covered collision, subject to the selected deductible.
Comprehensive Coverage
Comprehensive coverage helps protect the vehicle from covered events such as theft, vandalism, fire, falling objects, and storm damage.
Uninsured Motorist Coverage
This coverage can help protect the new driver when an at fault driver has insufficient insurance or no insurance.
Coverage for Financed or Leased Vehicles
A lender or leasing company may require collision and comprehensive coverage until the loan or lease has been completed.
Optional Protection
Depending on the carrier and policy, new drivers may be able to add roadside assistance, rental reimbursement, medical payments coverage, or gap protection.
Stay Protected
Parent’s Policy or a Separate Policy?
A new driver may be able to join an existing household policy or purchase a separate policy. The appropriate option depends on the driver’s residence, vehicle ownership, household relationships, and insurance history.
Joining a Household Policy
A new driver who lives with a parent, spouse, or family member may be able to join the household’s existing policy. This can make the policy easier to manage and may provide access to multi vehicle savings. Students temporarily living away from home may also remain eligible for a household policy, depending on the carrier and where the vehicle is kept.
When a Separate Policy May Be Needed
A separate policy may be more appropriate when the new driver owns the vehicle, lives at a different address, or cannot be added to an existing household policy. All licensed household members and regular vehicle users should be disclosed accurately during the quote process.
OUR DIFFERENCE
Why Choose SunKey for New Driver Insurance?
No Email or Cell Phone Required Upfront
Start comparing car insurance options without providing your email address or cell phone number before seeing available rates.
Explore Available Discounts
Depending on the carrier and eligibility, savings may be available for good students, safe drivers, defensive driving courses, low mileage, multiple vehicles, telematics programs, and qualifying vehicle safety equipment. Discount availability, requirements, and savings vary by carrier.
Compare Options From Multiple Carriers
Different carriers evaluate new drivers differently. Comparing several options can help you find suitable coverage instead of accepting the first available quote.
A Simple Quote Experience
SunKey provides a straightforward quote process without high pressure calls or repeated email follow ups. Compare your options and decide when you are ready.
SUNKEY AUTORATOR
What You Need to Start a Quote
SunKey AutoRater helps new drivers compare available car insurance options through a fast and private online process.
Having the following information ready can make the quote process easier.
Driver Information
Vehicle Information
Address Information
Insurance and Household Information
A new driver who lives in the same household or regularly drives a parent’s vehicle may be eligible to join the parent’s policy. Eligibility and policy requirements vary by carrier.
The cost varies according to the driver’s age, driving experience, ZIP code, vehicle, coverage, deductible, and insurance history. Comparing multiple carriers is the best way to understand the options available for a specific driver.
It can be. A first time driver has less driving and insurance history for a carrier to evaluate. Rates may improve as the driver gains experience and maintains a clean record.
Joining an eligible household policy, selecting a reasonably priced vehicle, maintaining a clean record, choosing suitable deductibles, and comparing multiple carriers may help control the cost. The cheapest policy is not always the policy that provides the most appropriate protection.
A driver who does not own a vehicle may be eligible for a non owner policy, depending on their driving needs and the carrier’s requirements. A household member who regularly drives a family vehicle may need to be listed on that vehicle’s policy.
Every policy should meet Florida’s minimum requirements. Collision, comprehensive, bodily injury liability, and uninsured motorist coverage may provide additional protection depending on the vehicle and the driver’s circumstances.
Eligible drivers may qualify for good student, safe driver, defensive driving, low mileage, multi vehicle, telematics, or vehicle safety equipment discounts. Availability varies by carrier.
Eligible drivers may qualify for good student, safe driver, defensive driving, low mileage, multi vehicle, telematics, or vehicle safety equipment discounts. Availability varies by carrier.
Yes. A driver without a United States insurance history may still have options. The available policies and required documents will depend on the driver’s licence status, address, vehicle, and carrier requirements.
You may need driver’s licence information, vehicle details, a Florida address, driving history, previous insurance information, and details about other licensed drivers in the household.
READY TO GET STARTED?
Compare Car Insurance for New Drivers in Florida
Explore available coverage and rates from Florida insurance carriers. No email address. No cell phone number. No pressure to purchase.