It can be a shocker for parents when it's time for their teens to start driving.

   Adding a teen boy to your Florida car insurance policy will hike premiums an average 95 percent

  Adding a teen girl will increase premiums 59 percent.

   And, we're not the worst. Florida has the 33rd highest rate increase for teen drivers.

   In some states, adding a male teen driver can hike rates 130 percent.

   The rate increases are lowest in Hawaii where it's illegal to raise premiums based on gender or age.'s Laura Adams says parents can save some money by making junior wait till he's 17 to start driving.

   Parents can also sign up with insurance programs that attach an electronic snooper to the car that records speeding, accelerating, hard braking and hard turns.

Photo: Getty/ 2014 Miami-Dade Police Department

See's 10 worst states here.