How a Speeding Ticket Impacts Car Insurance in Florida

In the Sunshine State, speeding violations raise insurance costs by an average of 8 to 10 percent.

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Last updated: July 8, 2026

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Key Takeaways: Speeding Ticket & Car Insurance in Florida

A speeding ticket in Florida raises car insurance premiums by an average of 8 to 10 percent.

Florida drivers pay an average of $3,953/year after a speeding ticket, up from $3,672 with a clean record.
State Farm ($2,536/year) and Travelers ($2,779/year) have the cheapest rates after a ticket.
Drivers going less than 30 mph over the limit can take a Basic Driver Improvement course to avoid points and rate increases.
As of July 2025, speeding 50+ mph over the limit is a criminal offense in Florida, carrying fines up to $1,000 and potential jail time.

From 2019 to 2024, speeding was a factor in over 10 percent of traffic fatalities in Florida. ¹While minor speeding citations result in fines and points on your record, serious speeding violations can mean jail time and substantial fines. Regardless, a speeding ticket often increases your car insurance premium at renewal.

How a Speeding Ticket Impacts Your Insurance in Florida

On average, expect your premium for car insurance in Florida to increase by 8 to 10 percent after a speeding ticket.

Average annual cost of car insurance in Florida	Clean record	Speeding ticket	Percentage increase
Statewide	$3,672	$3,953	8%
State Farm	$2,402	$2,536	6%
Travelers	$2,438	$2,779	14%
Nationwide	$2,960	$3,254	10%
UAIC	$2,880	$3,462	20%
GEICO	$3,135	$3,528	13%
Allstate	$5,048	$5,272	4%
Progressive	$3,479	$5,570	60%

Aside from moving violations, car insurance premiums differ based on demographic factors, like your ZIP code and even your credit score. To illustrate, people with bad credit pay more for car insurance than those with good credit. Learn more about what affects car insurance rates before you request an insurance quote from a Florida company.

How to Lower Your Premium After a Speeding Ticket

Fortunately, you can avoid premium hikes in Florida if you were going less than 30 mph over the limit. Even if you were going 30 mph or more over, there are still ways to save.

Take a Basic Driver Improvement (BDI) course. For all speeding violations of under 30 mph over the limit, you can take a BDI course to avoid adding points to your driving record. This means that Florida car insurance companies can’t raise your rates, cancel your policy mid-term, or not renew your policy at the end of its term. You can choose between multiple BDI course formats, including online and classroom options. To find an approved driving school, visit https://www.flhsmv.gov/driver-licenses-id-cards/education-courses/driver-improvement-schools/basic-driver-improvement-bdi-find-approved-listing-bdi-course-providers/.
Shop around. Each insurer uses its own underwriting formula to calculate premiums. State Farm and Travelers tend to have the cheapest rates in Florida after a ticket, but it’s worth comparing quotes from multiple providers to see who offers you the best rate.
Ask for discounts. Talk to your agent and make sure you’re not missing any discount opportunities on your policy. For example, you may get a discount for being a loyal customer, staying accident-free, or enrolling in usage-based insurance.

Cost of Speeding Ticket in Florida

In Florida, speeding is generally a noncriminal traffic infraction punished as a moving violation.

There is one major exception. As of July 1, 2025, Florida car insurance laws classify speeding 50 miles per hour or more over the posted limit as “dangerous excessive speeding,” making it a criminal offense.² In addition to substantial fines, the first conviction can result in up to 30 days in jail, and subsequent convictions up to 60 days in jail.

Fines double for speeding violations that happen in a school or construction zone, or $50 more if it occurred in an enhanced penalty zone.

Fine by mph over the speed limit	Regular zone	School zone	Construction zone	Enhanced penalty zone	Zone posted for electronic/manual toll collection facility
1-5	Warning only	$50	$50	$50	$50
6-9	$25	$50	$100	$75	$150
10-14	$100	$200	$400	$150	$300
15-19	$150	$300	$600	$200	$400
20-29	$175	$350	$700	$225	$450
30-49, 1st conviction	$250	$500	$1,000	$300	$600
30-49, 2nd or subsequent conviction within a 12-month period	$500	$1,000	$1,000	$550	$1,000
50 or higher, 1st conviction	$500	$1,000	$1,000	$550	$1,000
50 or higher, 2nd or subsequent conviction within a 12-month period	$1,000	$2,000	$2,000	$1,050	$2,000

Enhanced penalty zones are portions of the highway that have a high incidence of speeding-related crashes.

WARNING:

If you’re convicted of dangerous excessive speeding within five years of a previous violation, the Florida Department of Highway Safety and Motor Vehicles will revoke your license for up to one year.³

You could face additional penalties if you were speeding and caused a crash that involved:

Injury or property damage to a pedestrian: Additional $250 fine, required attendance at a driver improvement school, or both
Serious bodily injury: Additional $500 civil penalty and three-month license suspension
Death: Additional $1,000 civil penalty and six-month license suspension

Hearings are mandatory for crashes involving death and/or serious bodily injury. The Florida Statutes define “serious bodily injury” as an injury to a person consistent with a physical condition that creates a substantial risk of:

Death
Serious personal disfigurement
Protected loss or impairment of the function of a bodily organ or member

In addition to fines, license suspensions, and required attendance at driving school, you will also get points on your driving record:

Speeding 15 mph or less over the limit: Three points
Speeding more than 15 mph over the limit: Four points
Unlawful speed resulting in a crash: Six points

If you get a certain number of points within a given time period, the state will suspend your driving privileges:

12 points within one year: 30-day suspension
18 points within 18 months: Three-month suspension
24 points within three years: One-year suspension

What to Do If You Get a Speeding Ticket

Minor Infractions

For minor speeding citations, you have three options:

1. Pay the Fine

Paying the fine for your ticket means that you were convicted of speeding and will face the related penalties. If you were fined for speeding on Florida roads, you can pay the fine in one of two ways:

2. Contest the Citation

Go to your county clerk’s office if you wish to contest the ticket and request a hearing. But note that if you’re found guilty, you will still face the same penalties, which could include completion of a driver improvement course.

3. Take a Driver Improvement Course

To reduce your citation fees by 18 percent and avoid additional points on your record, take a driver improvement course within 30 days of your citation. Once you’ve completed the course, submit a certificate of completion to your county clerk and pay your reduced citation fee and court costs.

FYI:

You can take a driver improvement course up to five times in your life, but only once per year.

Misdemeanors

If you were caught speeding 50 miles per hour or more over the limit, you’ll be charged for “dangerously excessive speeding” under Florida law. This means you’ll face a mandatory court hearing and need to hire an attorney.

A criminal speeding conviction signals to insurers that you’re a high-risk driver, and some may decline to renew your policy altogether. If you find yourself in that situation, you may need to seek out insurers that specialize in high-risk coverage, usually at a significantly higher premium.

Other Traffic Violations That Affect Car Insurance

Speeding isn’t the only traffic violation that could hike your car insurance premium. Avoid the following traffic violations to keep insurance affordable and your driving record clean:

Careless driving
Failure to obey traffic control device
Failure to stop at a red signal
Failure to yield
Improper backing
Leaving the scene of an accident that had more than $50 in damages without exchanging information, also known as a hit-and-run
Failing to leave information after hitting an unattended vehicle and causing property damage
Passing on the right when a bus is stopped
Reckless driving

Recap

A speeding ticket in Florida can cost you more than a fine. Expect your car insurance premium to rise by 8 to 10 percent after a speeding violation. If your citation was minor, you may be able to avoid rate hikes by completing a driver course. However, if you were caught going 50 miles per hour or more over the limit, you may face major premium increases — along with substantial fines and potential jail time.

For more information on speeding in Florida, read about how long a speeding ticket stays on your record. While it’s not ideal to have a speeding violation, you can still keep premiums affordable by shopping around.

Frequently Asked Questions

How long does a speeding ticket affect insurance in Florida?

If you complete a Basic Driver Improvement course, your speeding ticket will not affect your insurance in Florida. However, this option is available only if you were driving less than 30 miles per hour over the posted limit. For those who went 30 miles per hour or more over the limit, the ticket will remain on your driving record indefinitely, but it’s up to an insurance company how long it wants to charge you more.

Is it worth fighting a speeding ticket in Florida?

It depends on what you were cited for. For standard speeding tickets, it may not be worth fighting since the maximum fine is $1,000 (provided you didn’t cause serious injury or death), and an attorney could cost more than that.

However, if an officer cited you for “dangerous excessive speeding” (driving 50 miles per hour or more over the speed limit), you may want to consider fighting the ticket. As of July 1, 2025, this is a criminal offense that can mean jail time. In that case, it’s worth considering legal representation.

How do I get a speeding ticket dismissed in Florida?

Go to your county clerk’s office.
Request a hearing.
Prove that you were not speeding. This may require hiring an attorney.

How do I clear my driving record in Florida?

You can avoid having points added to your driving record up to five times, but only once per year, by completing a Basic Driver Improvement course approved by Florida Highway Safety and Motor Vehicles. However, not all violations are eligible for this point reduction. For example, you can’t take the course if you were driving 30 miles per hour or more over the posted limit. Additionally, it doesn’t apply to those with a commercial driver’s license.From 2019 to 2024, speeding was a factor in over 10 percent of traffic fatalities in Florida. While minor speeding citations result in fines and points on your record, serious speeding violations can mean jail time and substantial fines. Regardless, a speeding ticket often increases your car insurance premium at renewal.