Teen Driver Insurance in Florida

Tojocu Editorial Team | Last verified: April 2026

Florida operates a comprehensive Graduated Driver Licensing program designed to help teen drivers ages 15 through 17 gain experience under controlled conditions before obtaining full driving privileges. These laws outline limits and restrictions for new drivers ages 15 through 17. Florida's GDL laws are designed to help teens gradually and safely build their skills and experience behind the wheel. GRADUATED DRIVER LICENSING (GDL) LAWS allow teen drivers to safely gain driving experience under lower-risk conditions before obtaining full driving privileges. The program consists of three distinct phases: learner's license beginning at age 15, restricted license at age 16, and full unrestricted license at age 18. Full License: All GDL restrictions are automatically lifted when the driver turns 18. Florida's system emphasizes supervised practice and gradual progression to address the heightened crash risks associated with inexperienced teen drivers.

Licensing Timeline

Minimum age of 15 required for learner's license. To qualify, your teen must be at least 15 years old, pass a vision, hearing and knowledge test, and complete a Traffic Law and Substance Abuse Education course. Teens can take the course starting at age 14, but must be 15 to apply for the permit. Following significant legislative changes, teens must now complete a mandatory 6-hour Driver Education Traffic Safety course before applying for their learner's permit. This course replaced the 4-hour TLSAE course as of August 1, 2025, for all new teen permit applicants. As of August 1, 2025; An individual who is under 18 years old and has never held a driver license from any other state, country or jurisdiction must complete a 6-hour DETS course before applying for a license in Florida. After holding the learner's permit for 12 months with a clean driving record and completing 50 hours of supervised driving practice, teens become eligible for a restricted driver's license at age 16.

GDL Restrictions

Florida imposes age-based nighttime driving restrictions as part of its graduated licensing system. For 16-year-old license holders, driving is strictly prohibited from 11:00 PM to 6:00 AM. The restriction for 17-year-olds is slightly more lenient, prohibiting driving from 1:00 AM to 5:00 AM. The law provides two universal exceptions that apply to both age groups. A teen may legally drive during their restricted hours if they are traveling to or from their place of employment. Alternatively, the curfew does not apply if a licensed driver who is at least 21 years old is seated in the front passenger seat, providing direct supervision. Unlike many states, Florida does not impose specific passenger restrictions for licensed teen drivers, though safety experts recommend limiting young passengers to reduce distraction risks. Additional exceptions for curfew violations may apply for school-related activities and religious events, though documentation is typically recommended for verification purposes.

Permit holding period: 12 months. Nighttime restriction: Age 16: 11 PM to 6 AM prohibited. Age 17: 1 AM to 5 AM prohibited. Passenger restriction: No specific state passenger restrictions for licensed drivers. Cell phone restriction: Standard state laws apply. Supervisor requirement: Licensed driver age 21+ (for permit holders). Nighttime exceptions include: employment, accompanied by licensed driver 21+. Passenger exceptions include: no state restrictions apply.

Insurance Requirements

Florida operates under a no-fault insurance system requiring all drivers to carry Personal Injury Protection and Property Damage Liability coverage. Any vehicle with a current Florida registration must: be insured with PIP and PDL insurance at the time of vehicle registration. have a minimum of $10,000 in PIP AND a minimum of $10,000 in PDL. Personal Injury Protection (PIP) covers you regardless of whether you are at-fault in a crash, up to the limits of your policy. PIP covers 80 percent of all necessary and reasonable medical expenses up to $10,000 resulting from a covered injury, no matter who caused the crash. Notably, Florida does not universally require bodily injury liability coverage, though this coverage may be mandated for drivers with certain violations. One of the most unusual aspects of Florida's insurance system is that bodily injury liability coverage is not universally required for most drivers. However, this does not eliminate liability exposure. If injuries exceed the $10,000 PIP limit or meet certain legal thresholds, injured individuals may still pursue damages through liability claims against the at-fault driver.

Minimum liability limits: N/A bodily injury per person / N/A per accident / $10,000 property damage. Insurance system: no-fault. Personal Injury Protection (PIP) is required at $10,000. Optional but must be offered equal to bodily injury liability coverage if purchased.

Insurance Considerations for Teen Drivers

Teen drivers and their families face important decisions regarding coverage beyond Florida's minimum requirements, as the state's relatively low limits may provide insufficient protection in serious accidents. The combination of inexperienced driving and Florida's high accident rates creates elevated risk exposure that minimum coverage typically cannot address adequately. While the no-fault system provides immediate access to medical benefits regardless of fault, families may face significant financial exposure if a teen driver causes injuries exceeding PIP limits or property damage beyond the $10,000 minimum. Insurance professionals frequently recommend purchasing bodily injury liability coverage and higher property damage limits when adding a teen driver to a household policy, as the additional premium cost is generally modest compared to the potential financial protection provided.

Practice Paths to Licensure

Option 1: Complete DETS course, hold learner's permit 12 months with clean record, complete 50 hours supervised driving (10 at night), pass driving test. 50 supervised hours required; 10 night hours required; driver education required; road test required.

Fees

Permit fee: $48.00. License fee: $6.25 upgrade fee (with permit). DETS course costs approximately $29.95 plus fees from approved providers.