Yes, normally if you have a valid foreign driver's license you can drive a car in Florida. The FL driver's handbook states that any non-resident who is at least 16 years old may drive in Florida without a Florida driver license, if they have a valid license from another state or country.
Typically in the United States you can drive up to 12 months on your valid foreign license as a visitor or tourist. If you move to Florida and have a valid license from another state or country, you must get a Florida license within 30 days of becoming a resident. You are considered a resident of Florida if you:
- Enroll your children in public school, or
- Register to vote, or
- File for a homestead exemption, or
- Accept employment, or
- Reside in Florida for more than six consecutive months.
If your driver's license is not in English than it would be helpful if you obtained an International Driving Permit (IDP) before coming to the United States so that your license is translated into English in case law enforcement or others need to verify that your license is valid.
To find out how long you can drive in Florida on your foreign license and about your specific situation contact the Florida Department of Highway Safety and Motor Vehicles (HSMV). As for insurance to drive a car, if it is someone else's car than they need to make sure you are covered to operate their vehicle.
If you want to get your own vehicle to drive than it will be difficult to get insurance without a Florida license since Florida insurance providers will normally require you have a state license for them to rate you on.