Adding a teen driver doesn’t have to double your insurance bill.
Family-owned independent agency
Serving Southwest Florida since 2009
The day your teenager gets a license is exciting. The insurance quote that follows is less so. Adding a teen driver is one of the biggest premium increases a family faces, but not insuring them properly is far worse.
Insurers require every licensed driver in your household to be listed on your policy. If your teen has a license and access to a car, your insurance company needs to know. Leaving a licensed teen off the policy can lead to a denied claim or a canceled policy, exactly when you need coverage most.
Florida requires the same minimums for teens as for any driver: $10,000 of PIP and $10,000 of property damage liability. For a new driver, that isn’t enough.
Florida’s required coverages. PIP pays 80% of your own medical bills, up to $10,000, whoever caused the crash. PDL pays for damage you cause to other people’s property, and $10,000 rarely covers a modern car.
Florida doesn’t require it, but if your teen causes a crash that injures someone, your family is financially responsible without it. For families with assets to protect, it’s critical.
Florida has one of the highest rates of uninsured drivers in the country. If one hits your teen, this covers the gap.
If the car your teen drives has real value, collision pays for repairs after a crash, whoever is at fault.
Protects the car from theft, storms, falling trees and other damage that isn’t a crash.
Adds coverage for medical bills beyond what PIP pays, for your teen and their passengers.
Your teen must always drive with a licensed driver 21 or older, during daylight for the first three months and until 10 p.m. after that. Let your insurer know when the license is issued.
After holding a learner’s license for 12 months and logging 50 supervised hours (10 at night), teens may drive alone from 6 a.m. to 11 p.m. This is when they need to be added to your policy.
Solo driving is allowed from 5 a.m. to 1 a.m. Outside those hours, teens need a licensed driver 21 or older with them unless they’re driving to or from work.
Hour restrictions end at 18. Rates can start to come down as your teen builds a clean driving history.
We shop dozens of carriers for every discount that applies:
Adding a teen to your family policy is almost always cheaper than a separate policy, and the car they drive makes a big difference to the price.
If a licensed teen in your home isn’t listed and has an accident, the insurer can deny the claim or cancel your policy, leaving you personally responsible for the damage. A quick call when the license is issued avoids that.
We’re not the insurance company. We’re your agent, and that distinction matters.
Florida requires only $10,000 of PIP and $10,000 of property damage liability. That won’t pay for injuries you cause to others or for damage to your own car. We’ll show you what better coverage costs before you decide.
A captive agent sells one company’s products. We represent dozens of carriers, so we can shop the market and find the policy that actually fits your situation.
Our office is at 702 Leeland Heights Blvd W in Lehigh Acres, and we serve Lehigh Acres, Fort Myers, Cape Coral, Bonita Springs, Estero and Naples. You’re not a policy number. You’re a neighbor.
Butch Swank built this agency on one idea: change the way people feel about their insurance agency. Our team treats every client like family.
Butch serves on the Board of Lehigh Regional Medical Center and co-founded the East Lee Education Cooperative, and Mary sits on the Board for Lehigh Community Services. We don’t just work here. We live here.
Share who drives, what you drive, your driving history and the coverage you have today.
We shop multiple insurance companies and lay out the differences in coverage and price in plain language.
Pick the policy that fits. We take care of the paperwork and stay your point of contact for changes, renewals and claims questions.
Florida’s auto insurance rules and carrier options keep changing. Our family-owned team shops dozens of carriers to get you the most coverage for your money.
