How a Speeding Ticket Impacts Car Insurance in Florida

On average, expect your premium for car insurance in Florida to increase by 19 percent after a speeding ticket.

Aside from how a speeding ticket affects car insurance, car insurance premiums will differ based on many 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.

Were you caught speeding and received a speeding ticket? You’re probably wondering how to get the lowest auto insurance premium from one of the cheapest car insurance companies.

Fortunately, there is an easy way to avoid an increase in the cost of Florida car insurance 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.

1. Take a Basic Driver Improvement (BDI) course. For all speeding violations of under 30 mph over the limit, you can take a BDI course, and Florida Highway Safety and Motor Vehicles will not add points to your driving record. This means that Florida car insurance companies can’t raise your rates, cancel your policy midterm, or not renew your policy at the end of its term. See a list of approved driving schools below.¹

2. Get minimum coverage. The cheapest car insurance in Florida is minimum coverage: $10,000 worth of personal injury protection (PIP) per person and per accident and the same amount in property damage coverage.
3. Ask for discounts. The best way to get cheap car insurance in Florida is to ask your agent which discounts apply to you. For example, you may be able to get a discount for being a loyal customer, staying accident-free for a certain amount of time, or enrolling in usage-based insurance, to name a few.

In Florida, speeding is a noncriminal traffic infraction that’s punished as a moving violation. However, fines will be doubled if the speeding occurred in a school or construction zone, or $50 more if it occurred in an enhanced penalty zone.

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

So, you were fined for speeding on Florida roads. Here are your three options.

Pay the Fine

You can pay the fine in one of two ways:

• County clerk’s office
• Online

Paying the ticket means that you were convicted of speeding and will face the related penalties.

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.

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.

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

For more information on speeding in Florida, like how long a speeding ticket stays on your record, keep reading our frequently asked questions. While speeding will never result in imprisonment in Florida, it might result in a license suspension, financial penalties, and an increased car insurance premium.