Speeding ticket calculator in Florida

Florida speeding ticket insurance calculator: Estimate your new rates

Florida drivers understand that traffic tickets cause auto insurance rates to increase. However, it might surprise you how much a speeding ticket increases rates. In addition to fines, drivers pay higher insurance rates for years after a speeding ticket.

Estimate how much you will pay for insurance after a speeding ticket with the calculator at the top of the page.

How much does your insurance go up after a speeding ticket in Florida?

If you maintain a clean driving history, your first speeding ticket usually won't raise your premiums by much. But getting several speeding violations can cause your rates to climb steeply. On average, Florida drivers with no infractions pay $2,694, while those with a speeding ticket pay $3,553.

The table below shows average rates after one speeding ticket by company.

Company	Average annual premium for clean record	Average annual premium after a ticket
State Farm	$2,119	$2,276
Nationwide	$2,150	$3,305
Travelers	$2,356	$3,416
National General	$3,103	$3,656
Progressive	$2,902	$3,759
GEICO	$2,214	$3,848
Mercury Insurance	$3,358	$4,344
Farmers	$3,261	$5,541

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How much does insurance increase after multiple tickets in Florida?

While one speeding ticket increases car insurance rates, multiple tickets cause rates to skyrocket. Additionally, if an excessive number of speeding tickets occur within a short timeframe, you may be labeled a risky driver and need to acquire additional costly coverage.

Each auto insurance company evaluates traffic violations differently and sets its own pricing for speeding ticket violations. Some insurers won't issue policies to drivers with several violations, which can make their average rates appear lower than they would be if they actually covered those drivers.

The table below shows the average car insurance premiums from major insurers for drivers who have two speeding tickets.

Company	Annual premium with a clean record	Average annual premium after a ticket	Average annual premium after multiple tickets
Travelers	$2,356	$3,416	$3,614
National General	$3,103	$3,656	$3,731
Allstate	$3,569	N/A*	$3,936
Progressive	$2,902	$3,758	$3,950
GEICO	$2,214	$3,848	$4,642
Mercury Insurance	$3,358	$4,343	$5,561

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Note: * Rate data is not available

How age affects car insurance after a speeding ticket in Florida

Younger drivers pay much higher auto insurance premiums than older motorists because they have less experience on the road. A speeding ticket signals to insurers that these drivers not only lack experience but also engage in risky behavior. Although insurance costs for inexperienced drivers are already high, a speeding violation can raise them even further.

The table below shows how a speeding ticket impacts car insurance rates across different age groups.

Age	Annual premium with a clean record	Annual premium after a speeding ticket
Teens	$6,798	$8,570
Young Adults	$3,191	$4,447
Adults	$2,694	$3,778
Seniors	$2,477	$3,642

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How much does a speeding ticket raise insurance in Florida cities?

Your location within Florida plays a major role in shaping your auto insurance costs. For example, drivers in large metropolitan areas usually pay more due to heavier traffic and a greater risk of vehicle theft.

Because a speeding ticket increases your rates by a percentage, motorists who already face higher city premiums will experience a much larger jump after receiving a citation.

The table below shows auto insurance premiums in various Florida cities. A speeding ticket can significantly increase these amounts.

City	Annual premium with a clean record	Annual premium after a ticket
Fellsmere	$2,557	$3,545
Avon Park	$2,639	$3,693
Deland	$2,701	$3,756
Palm City	$2,706	$3,772
Jacksonville	$2,692	$3,792
Bellair-Meadowbrook Terrace	$2,790	$3,882
Orlando	$2,835	$3,972
Port St. Lucie	$2,824	$3,981
St. Petersburg	$2,909	$4,068
Clearwater	$3,007	$4,210
Tampa	$3,131	$4,394
Fort Lauderdale	$3,174	$4,473
Miami	$3,345	$4,696
Hialeah	$3,355	$4,697
Aventura	$3,329	$4,746

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Florida speeding ticket options after you are found guilty

After you are found guilty of speeding in Florida, you can choose from several options, including:

Pay the fine. If the court rules that you are guilty, you might be required to pay the fine right away. However, many states are willing to help you set up a payment plan.
Appeal the ruling. You can challenge the court's decision if you believe you were not speeding. Doing so may result in the case being dismissed or the fine being reduced.
Take a defensive driving course. Many states will take points off your driving record if you complete one, demonstrating that you are working to improve your driving skills.

How long does a speeding ticket stay on your record in Florida?

Speeding violations generally remain on your Florida driving record for five years. Remember that a speeding ticket may be classified as reckless driving if you were going excessively fast or have several prior offenses. In those situations, it may stay on your record for a longer period. It's also important to understand that the time a ticket impacts your insurance premiums often differs from how long it appears on your driving record.

How do you check if you have tickets on your record in Florida?

You can request your driving record from the Florida Department of Highway Safety and Motor Vehicles. Depending on the state, you may be able to view your driving history online or obtain a copy in person or by mail.

You will need to provide personal information such as your name, date of birth, driver's license number, and possibly your social security number. You may also need to pay a fee to access your driving record.

How to reduce car insurance cost after a speeding ticket in Florida

Start by strengthening your driving habits. Because most traffic violations stop impacting your insurance premiums within three to five years, you can reduce your rates by avoiding future speeding tickets. Stay alert on the road and follow posted speed limits to prevent additional tickets.
You may also want to take a defensive driving course. Some states let you use these classes to remove points from your driver's license, and many insurance companies provide discounts for completing one.
Ask about any other discounts you might qualify for and combine them to increase your savings. Even if you don't yet meet the requirements for a safe-driving discount, you can still reduce your costs through multi-policy savings, vehicle safety feature discounts, and other available offers.
Talk with your insurance provider to see if it can waive the rate increase for your first offense. While repeated speeding violations will raise your premiums, some companies may offer leniency for a first ticket.
Finally, compare quotes from different auto insurance companies. Each insurer in Florida sets its own rates based on factors such as your age, driving history, and credit score. Reviewing several options can help you find the best price for your situation.

"Even with a moving violation on your motor vehicle record, drivers can take advantage of other common discounts to reduce their insurance costs. This includes bundling auto and home or renters insurance with the same insurer, multi-vehicle (having more than one vehicle in the household on the same policy), paying your premium in full, paperless billing, and student and military discounts. Signing up for a usage-based telematics program could also help reduce your insurance costs if you maintain safe driving habits following the infraction," says Friedlander.

Methodology

We partnered with Quadrant Information Services to field average car insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on: