In Florida, teens can get a learner permit at 15 and an intermediate license at 16, with full privileges at 18. The state minimum liability requirement is 0/0/10, which is a legal floor rather than adequate protection for a family with a new driver.
| Learner permit age | 15 |
|---|---|
| Intermediate license age | 16 |
| Full unrestricted license age | 18 |
| Supervised driving required | 50 hours, including 10 at night |
| Night driving restriction | No driving 11pm to 6am |
| Passenger restriction | No statewide passenger restriction |
| Minimum liability limits | 0/0/10 |
| Uninsured motorist required | No |
| No-fault state | Yes |
Florida does not require bodily injury liability at all for most drivers — it requires PIP and property damage. That makes carrying meaningful liability limits a matter of choice rather than compliance, and it is one of the riskiest places in the country to insure a teen at the minimum.
Florida is a no-fault state. Personal injury protection pays your teen's medical costs regardless of who caused the crash, which changes how medical bills are handled but does not reduce your liability exposure.
Uninsured motorist coverage is not required in this state. It is still worth carrying — it is the part of the policy that protects your own teen rather than the other driver.
In Florida, a teen can apply for a learner permit at 15 and an intermediate license at 16. Full unrestricted driving privileges begin at 18. Between the intermediate and full stages, passenger and night driving restrictions still apply, and violating them can delay full licensure.
50 hours, including 10 at night is what Florida requires before a teen can take the road test. Log them deliberately rather than at the last minute — insurers credit completed driver training, and the supervised period is the cheapest time your teen will ever have to make mistakes safely.
No statewide passenger restriction is the Florida rule during the intermediate license stage. Passenger limits exist because teen crash risk climbs sharply with each additional teen passenger. A crash that occurs while in violation can complicate both the claim and the question of liability.
No driving 11pm to 6am is the restriction Florida places on intermediate license holders. Night driving carries meaningfully higher crash risk for inexperienced drivers, which is why nearly every state limits it. Build after-school jobs and activities around the cutoff rather than against it.
Florida requires personal injury protection and $10,000 of property damage liability, and does not mandate bodily injury liability for most drivers. That makes carrying real liability limits a deliberate choice here. For a household with a teen driver, the minimum is not a serious option.
Most Florida families with meaningful assets should carry well above the 0/0/10 state minimum — commonly 100/300/100 or higher, with matching uninsured motorist limits. A serious at-fault crash involving a teen can exhaust minimum limits quickly, and the balance is collected from your assets.
The liability figures on this page have been confirmed directly against a Florida regulator, statute, or official bulletin.
Rate examples are illustrative national figures gathered from public filings and industry surveys. They are not quotes. Your actual premium depends on your state, carrier, vehicle, driving record, and eligibility for discounts. Teen Driver is an insurance marketing and referral service, not an insurer or licensed agency. We connect families with licensed independent agents. Questions? Call (855) 706-3520.
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