Starting the Journey: Preparing Your Teen (and Yourself) for the Road

 That moment when your teen slides into the driver’s seat for the first time is a mix of pride, excitement, and, let’s be honest, a bit of fear. Teaching them to drive isn’t just about passing the test, it’s about preparing for the legal, financial, and safety responsibilities that come with this milestone. 

Over the years, we’ve heard the same questions from parents again and again. 

This guide walks you through the most common questions we get from parents of new drivers in Florida, with practical tips to keep your teen (and your finances) safe on the road.  

Why Should You Review Your Auto Insurance When Your Teen Starts Driving? 

 One of the first (and most expensive) realities you’ll face is updating your auto insurance. The premium jump isn’t fun, but protecting your teen and your assets is worth it. 

As soon as your teen gets their learner’s permit or driver’s license, you must notify your insurance company. This will almost certainly raise your premiums, but it’s a non-negotiable step to ensure coverage if an accident occurs. 

How to Strengthen Your Coverage 

• Increase Liability Limits: In Florida, parents are often held liable for their minor child’s driving. Raising your liability coverage provides stronger financial protection. 

• Consider an Umbrella Policy: This adds an extra layer of coverage beyond standard auto insurance, helping protect your assets from costly lawsuits. 

• Ask About Discounts: Many insurers offer savings for good grades (usually a “B” average or higher) and for completing a defensive driving course. 

What Is Florida’s Graduated Driver Licensing (GDL) Program?

Florida uses a phased licensing system to ease teens into driving responsibly. Parents must understand these rules to keep their teens compliant. 

Learner’s License (Age 15) 

• Must drive with a licensed driver age 21+ in the passenger seat. 

• First 3 months: daytime driving only. 

• After 3 months: may drive until 10 p.m. 

Driver License with Restrictions 

• After holding a learner’s license for 12 months with no convictions and 50 logged hours (10 at night), teens can apply at 16. 

• At age 16: Curfew from 11 p.m.–6 a.m. unless going to work or with a licensed driver age 21+. 

• At age 17: Curfew shifts to 1 a.m.–5 a.m. 

 What Legal Liability Do Parents Have for Their Teen Drivers?

It’s easy to think that once your teen is behind the wheel, the responsibility shifts to them. Unfortunately, that’s not the case, at least not under Florida law. Parents remain legally and financially tied to their teen’s driving in very real ways. 

Two Key Doctrines Every Parent Should Know 

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