Florida Student & Young Driver Car Insurance

Student drivers in Florida — at the University of Florida in Gainesville, Florida State in Tallahassee, the University of Central Florida in Orlando, the University of South Florida in Tampa, Florida International in Miami, Florida Atlantic in Boca Raton, the University of Miami, Nova Southeastern in Davie, Embry-Riddle in Daytona Beach, and the state-college and FCS-institution network across the rest of the state — represent a distinct rating class. Florida First Insurance of Broward writes student-driver placements with carriers that recognize good-student and away-at-school discounts.

Two structural details usually drive the placement: whether the student keeps a vehicle at school (away-at-school discount applies if no vehicle is garaged at the campus address), and parent-policy versus standalone student-policy structure. Parents listing the student as an occasional driver on the parents' policy at home, with proper garaging address, almost always produces a lower premium than a standalone policy in the student's name.

Student auto coverage binds for college and university students in Miami-Dade (UM, FIU), Broward (NSU, Broward College), and Palm Beach (FAU); Collier and Lee in the southwest; Sarasota and Manatee on the Suncoast; Hillsborough (USF), Pinellas, and Pasco around Tampa Bay; Polk, Orange (UCF), and Seminole through central Florida; Brevard and Volusia (Embry-Riddle) on the Atlantic; Alachua (UF), Marion, and Duval (UNF, JU) through North Florida; and Leon (FSU, FAMU) and Escambia (UWF) in the Panhandle.

Student auto policies are placed for students in Miami, Fort Lauderdale, West Palm Beach, Boca Raton, Fort Pierce, Port St. Lucie, Palm Bay, Melbourne, Titusville, Daytona Beach, Jacksonville, Gainesville, Ocala, Orlando, Lakeland, Winter Haven, Tampa, St. Petersburg, Clearwater, Sarasota, Bradenton, Fort Myers, Cape Coral, Punta Gorda, Naples, Pensacola, Fort Walton Beach, Panama City, and Tallahassee.