{"id":22956,"date":"2026-01-21T00:13:59","date_gmt":"2026-01-21T00:13:59","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=22956"},"modified":"2026-01-21T00:14:07","modified_gmt":"2026-01-21T00:14:07","slug":"how-a-speeding-ticket-affects-insurance-in-florida","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=22956","title":{"rendered":"How a Speeding Ticket Affects Insurance in Florida"},"content":{"rendered":"
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\n Sean Murphy, Getty Images\n <\/p>\n<\/p><\/div>\n

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If you get a speeding ticket, you\u2019re probably most worried about the fine, but speeding tickets can make an even bigger dent in your budget when your auto policy renews. In Florida, speeding ticket fines cost an average of $125, but a single speeding ticket raises average full coverage Florida car insurance rates by $307 per year.<\/p>\n

How much does insurance go up after a speeding ticket in Florida?<\/h2>\n

Florida is already an expensive state for car insurance. Having a speeding ticket on your driving record can push your premium even higher. On average, a speeding ticket raises an insurance premium by 8%. That\u2019s an average of $26 more per month on your car insurance bill.<\/p>\n

You won\u2019t see this increase right away. Rather, you\u2019ll see it after your policy\u2019s renewal date. Car insurance companies consider a variety of different factors when setting your rate, like your age, how much you drive, the kind of car you have and your driving record. When your car insurance policy renews, your insurance company typically re-evaluates those factors to give you your new rate.<\/p>\n

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Driver profile<\/strong><\/th>\nAverage monthly full coverage premium<\/strong><\/th>\n<\/tr>\n<\/thead>\n
Clean record<\/td>\n$324<\/td>\n<\/tr>\n
Adult driver, single speeding ticket<\/td>\n$349<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n
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\n You may lose discounts after a speeding ticket\n <\/p>\n

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A speeding ticket can make your car insurance policy more expensive in more ways than one. Driving infractions, like speeding tickets, can void any safe driving discounts that were previously on your policy. But, that doesn\u2019t mean you can\u2019t save. Talk to a licensed agent about other discounts you might qualify for. Or, if you\u2019re willing to do a little more legwork, consider comparing a handful of quotes to see if you could get a better deal with another company.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n

How speeding tickets impacted insurance for real Florida drivers<\/h2>\n
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\u201cUse The Ticket Clinic. They have worked for me many times across the state. You get no points an representation in court. There\u2019s a slim chance you may have to pay court fees. Kinda a 50\/50 gamble. But your driving record will be unaffected going this route.\u201d<\/p>\n<\/div>\n

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Reddit user 1*, (10\/23\/2023)
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\u201cBut\u2026..and this is a big butt\u2026.prepared to play the court fees which can go from 100-300<\/p>\n

I been living in Florida all my life\u2026sometimes they make me pay the court fee\u2026sometimes they dont\u2026.not sure if its a city or county thing\u201d<\/p>\n<\/div>\n

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Reddit user 2*, (01\/19\/2024)
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