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How Speeding Tickets Affect Your Auto Insurance Rates

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Speeding is a common traffic violation that can significantly impact your driving record and insurance rates. In Florida, speeding tickets can result in points on your driving record, which can lead to increased insurance premiums.

In this article, we’ll help you understand the impact of speeding tickets on your auto insurance in Florida. Read below to avoid unnecessary expenses and maintain a clean driving record.

Points System in Florida 

In Florida, the Department of Highway Safety and Motor Vehicles (DHSMV) uses a points system to track driving violations. When you receive a speeding ticket, you will receive points on your driving record based on the severity of the violation.

The number of points you receive depends on how much you exceed the speed limit. For example, if you were driving 10-14 mph over the speed limit, you will receive 3 points on your driving record. If you were driving 15 mph or more over the speed limit, you would receive 4 points.

Impact on Insurance Rates

Insurance companies use your driving record to determine your risk level as a driver. The more points you have on your record, the higher your risk level, and that also means higher insurance premiums. In Florida, insurance companies are required to use the DHSMV points system to determine insurance rates.

For example, if you have one speeding ticket on your record, your insurance rates may increase by 10-20%. If you have multiple speeding tickets, your rates can increase even more. Additionally, points from other traffic violations, such as running a red light or causing an accident, may cause your insurance rates to increase even further.

Ways to Avoid Increased Insurance Rates

There are several ways to avoid increased insurance rates due to speeding tickets in Florida. The first is to drive safely and avoid speeding altogether. This can help you maintain a clean driving record and avoid the points system.

If you do receive a speeding ticket, you may be able to attend traffic school to avoid acquiring points on your driving record. Traffic school can also help you improve your driving skills and prevent future violations.

Another option is to shop around for insurance quotes from different providers. Some insurance companies may be more forgiving of speeding tickets than others. It’s important to compare rates and coverage options to find the best auto insurance in Florida.


Speeding tickets can have a significant impact on the rates of your auto insurance in Florida. It’s essential to understand the points system and how it affects your driving record and insurance premiums. By driving safely and avoiding speeding violations, attending traffic school, and shopping around for insurance quotes, you can maintain a clean driving record and avoid unnecessary expenses.

If you are looking for auto insurance in Florida, check out Florida Manufactured Home Insurance Agency. We offer a variety of insurance products, such as auto insurance, boat insurance, and even golf cart insurance. Let us help you choose a policy with coverage suitable to your needs. Consult with us today.

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