Frankkmirbach/Getty Images;Illustrated by Issia Davis/Bankrate
There are a lot to do in the Great State of Florida, but don’t drive too fast along the way to see the sights. Florida speeding tickets average fines of $125, but can reach $250. However, speeding tickets can last forever after paying the fine. Having a speeding ticket on your driving record will make your car insurance expensive when your insurance policy is renewed. According to an analysis of Bankrate’s average rates, speeding tickets increase Florida’s car insurance costs by $677 a year.
How much will your insurance increase after a speeding ticket in Florida?
Florida is already an expensive state for auto insurance, and having a speeding ticket on your driving record can further increase your premium. On average, speeding tickets increase your insurance premiums by 16%. That’s an average of $56 per month on your car insurance bill.
This increase is not immediately apparent. Rather, it will be displayed after the policy update date. Auto insurance companies take into account a variety of factors when setting rates, such as age, driving amount, the type of car you have, and driving records. Once your car insurance is renewed, the insurance company will usually reassess these factors to provide a new rate.
| Driver Profile | Average annual full coverage premium |
|---|---|
| Clean Record | $4,151 |
| Adult driver, single speeding ticket | $4,829 |
| 18 years old, clean record | $10,391 |
| 18 years old, single speeding ticket | $10,722 |
How did speeding tickets affect actual Florida driver insurance?
*The quotes and quotes contained on this page have been verified by our editorial team and are accurate as of the date of posting. Outlinked Content may contain opinions or opinions that do not reflect the views or opinions of the Bank.
How much does a speeding ticket cost, regardless of Florida insurance?
In Florida, speeding tickets and other driving violations remain on driving records for five years. That said, speeding tickets usually only affect car insurance premiums for 3-5 years. In most cases, the more time passes, the smaller the financial penalty from car insurance companies will be.
Speeding tickets are not the only ones that can make car insurance more expensive. Other factors, such as the frequency of customs duties and accidents in your area, can also increase the cost of car insurance, even if you maintain a creaking, clean driving record. Instead of waiting for speeding ticket surcharges to cancel their policy, you may find a better deal if you shop.
How to avoid increased insurance after speeding tickets in Florida
Getting a speeding ticket doesn’t mean you’re destined to be more expensive forever. Below are some steps you can take to reduce your car insurance costs after your ticket.
Try to keep speeding tickets away from the record
In Florida, speeding tickets can be handled for 30 days. You may not want to pay your tickets immediately, especially if you are a first-time criminal. Paying a speeding ticket is considered guilty admission. Once you pay the fine, your ticket will be on the record. If you are handed over for the first time, consider these options and remove them from your car’s record.
- I’m going to traffic school: Qualified drivers can choose to take part in the Driver Improvement Course and earn points from their records. In addition to the $7 Drive School affidavit, you will need to pay a fine for your speeding ticket.
- Tickets in court: You have the option to get an attorney and fight tickets in court.
- Sues “no contest”: If you file a conditional plea of ”no contest” and the court accepts the plea, you do not need to appear before the court or add points to your driving record. However, you must comply with court levies such as driving school and paying fines.
After tickets, shop competitive rates
In most cases, car insurance companies will consider your car’s records when setting rates. However, some companies may offer more competitive rates than others that have a speeding ticket. Mainly, auto insurance companies all look at the same thing for pricing your insurance, but they differ in how they weigh those factors. In Florida, drivers with speeding tickets can save up to $1,752 by shopping at a better rate.
Drive defensively to avoid future speeding tickets
Prevention is the best treatment for speeding tickets. Maintaining a clean driving record will help you avoid the extra speeding ticket fee and perhaps earn a driver discount. You can also consider signing up for a telematics program to keep you accountable behind the wheel. Telematics devices or apps monitor driving habits in real time and report driving behavior to insurers. This is the idea that what you pay for a policy is more closely related to actual driving behavior.
Alternatively, you can take your own precautions to avoid speeding. For example, if your car is equipped with intelligent speed assistance, you may want to develop the habit of using it.
FAQ
Methodology
Bankrate uses Quadrant Information Services to analyze April 2025 fees for all ZIP codes and carriers in all 50 states. The cited fees are based on 40-year-old male and female drivers with clean driving records, good credits and the following full coverage limits:
- $100,000 per person physical injury liability
- $300,000 for each accident
- Liability for property damages of $50,000 per accident
- Uninsured driver physical injury for $100,000 per person
- Uninsured driver’s physical injury for $300,000 per accident
- $500 collision deduction possible
- Comprehensive $500 deduction
To determine the minimum coverage limit, bank rates used minimum coverage to meet the requirements of each state. Our base profile driver owns a 2023 Toyota Camry, commutes five days a week and drives 12,000 miles a year. Bundles and paperless billing discounts apply.
These are sample rates and should be used for comparison purposes only. Your quote is different.
If specified, the base profile has been modified with the following driver characteristics:
