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NPN: 21630969
Updated
After you get a speeding ticket in Florida, your car insurance company will view you as a higher-risk driver and charge a higher premium to compensate. Drivers with speeding tickets pay 17% more for auto insurance in Florida, according to Insurify data. In some cases, you can avoid a rate hike by taking a driver improvement course.[1]
Even if you can’t avoid points on your driving record, you can find cheap car insurance after a speeding ticket from companies like State Farm, Progressive, and Mile Auto.
Here’s how to find the cheapest companies, learn about Florida DMV laws, and get tips to reduce your premiums.
The average monthly cost of car insurance after a speeding ticket in Florida is $274 for full coverage and $159 for liability-only coverage.
The total average monthly premium for Florida drivers with a speeding ticket is $217, compared to only $186 for Florida drivers with a clean record, according to Insurify data.
Florida speeding tickets generally stay on your record for three to five years.
Every Florida car insurance company calculates premiums differently, so comparing quotes is the best way to secure the lowest price on car insurance after getting a speeding ticket.
For example, State Farm’s average full-coverage rate increases from $130 to $159 after a speeding ticket, while Progressive’s increases from $141 to $164.
Below are some of the cheapest car insurance companies in Florida and their average full-coverage premiums for drivers with a speeding ticket compared to a clean record.
Insurance Company  | Average Full-Coverage Quote: With Clean Record | Average Full-Coverage Quote: With Speeding Ticket |
|---|---|---|
| State Farm | $130 | $159 |
| Progressive | $141 | $164 |
| Mile Auto | $156 | $183 |
| National General | $189 | $228 |
| GEICO | $186 | $236 |
| Mercury | $179 | $239 |
| Direct Auto | $202 | $245 |
| Clearcover | $207 | $255 |
| Bristol West | $213 | $259 |
| Allstate | $226 | $284 |
| Infinity | $238 | $293 |
| Embark | $254 | $296 |
| The General | $240 | $311 |
| AssuranceAmerica | $253 | $311 |
| Root | $277 | $318 |
| GAINSCO | $281 | $324 |
| Travelers | $268 | $336 |
| Liberty Mutual | $297 | $366 |
| Dairyland | $314 | $377 |
| First Acceptance | $332 | $387 |
| Mendota | $347 | $404 |
State Farm is the cheapest company on average for drivers with speeding tickets, but it may not be the cheapest insurer for you. Insurers’ rating models vary, so one company may weigh your speeding ticket more heavily than another.
Monthly rates start at $98 for drivers with a ticket
A speeding ticket increases car insurance premiums by an average of 17% in Florida, according to Insurify data. Overall, Florida drivers with a ticket pay an average of $217 per month, while drivers with a clean record pay an average of $186.
In some situations, a speeding ticket may not result in a premium increase. Citations from automated speed enforcement cameras in areas like school zones won’t affect your insurance rates.[2] And taking a driver improvement course can prevent insurance rate hikes if it’s your first offense in 18 months and you weren’t driving more than 15 miles per hour over the limit.
The increase you’ll face after getting caught speeding may vary depending on factors like:
Whether an officer writes a traffic ticket or you receive an automated citation
Whether you choose to attend traffic school to avoid conviction
Your driving history and points accumulated on your driving record
The severity of the moving violation (such as how fast you were speeding, whether you also received a citation for careless or reckless driving, and whether your speeding led to a crash)[3]
Driver Profile | Average Monthly Rate: Full Coverage | Average Monthly Rate: Liability Only |
|---|---|---|
| Clean record | $216 | $135 |
| Speeding ticket | $251 | $157 |
| Difference | $35 | $22 |
Some auto insurance companies are lenient with rate increases after a speeding ticket, and others offer coverage options like accident forgiveness to protect against rate hikes. For example, Travelers offers minor violation forgiveness that prevents a rate increase after your first traffic ticket. The coverage is part of the Responsible Driver Plan, which also includes accident forgiveness coverage.
Speeding tickets generally increase car insurance rates in Florida. Insurance companies check your Florida driving record to predict the risk of future claims and set your premiums accordingly. But you can avoid a rate hike by attending a driver improvement course if it’s your first speeding ticket within an 18-month period, and you were only driving 15 miles per hour or less over the speed limit.
When you receive a citation for a traffic violation in Florida, you earn points on your driving record. Most speeding tickets add three points, but driving more than 50 miles per hour over the limit adds four points. If enough points accumulate on your record from multiple violations within a certain time frame, you could lose your driving privileges for up to one year.
You can check the number of points you currently have on your driving record by using the Online Driver License Check tool from the Florida Department of Highway Safety and Motor Vehicles.
Infractions like speeding tickets typically stay on your driving record in Florida for three to five years. Any violation that adds points will remain on your driving record for a minimum of five years, and serious violations can stay on your driving record even longer.[4]
For example, Florida’s “Super Speeder Law” allows for criminal penalties like jail time for drivers who exceed the speed limit by 50 miles per hour or more. A conviction could stay on your criminal record permanently.[5] A driver’s license suspension or revocation due to dangerous speeding could remain on your driving record for up to 10 years.
Save up to $1,100 per year on coverage
Getting a speeding ticket in Florida can make your car insurance more expensive. You have a few ways to help offset an increase in your auto insurance premiums after a speeding violation:
If you received a single speeding ticket in 18 months for going 15 miles per hour over the limit or less, completing the Florida driver improvement course will prevent an increase in your insurance rates. Senior drivers also have the option to take an FLHSMV-approved defensive driving course to get a discount on their auto insurance rates.[6]
Raising your deductible will lower your car insurance premium. Just keep enough money saved to cover your share after a claim.
Usage-based insurance uses your phone or a device to track your driving behavior. Companies like State Farm and Progressive offer programs that provide a premium discount to policyholders who drive safely, avoid speeding, and stay off their phones.
Your existing car insurance company might not be the cheapest option after a speeding ticket. Compare rates from a few different Florida companies to get the best deal. If you have multiple tickets or serious offenses on your record, consider insurers that specialize in high-risk drivers.
Here are some common questions Florida drivers ask about speeding tickets and auto insurance.
Insurance rates increase by an average of 17% after a speeding ticket in Florida, according to Insurify data. But the increase may vary depending on the severity of the offense and your current driver’s license status with regard to Florida’s points system.
Many auto insurers in Florida receive automatic updates from the DMV when a new entry appears in a policyholder’s record. The frequency of premium readjustments varies from one company to the next, but it typically occurs quarterly. If your insurer doesn’t have an automatic system in place, expect any insurance rate increases to take effect when your policy renews.
A speeding ticket generally stays on your driving record for three to five years in Florida, but it could remain on your driving record longer if it results in a license suspension or revocation.
Yes. Florida and most other states are members of the Driver License Compact. If you receive a speeding ticket while driving in Florida, your home state can apply its laws to the out-of-state offense, which means it could appear on your driving record and affect your insurance premium. Non-moving violations, like a parking ticket, don’t apply.[7]
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
5+ years in auto insurance and personal finance writing
Featured in top personal finance publications
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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