Does a Speeding Ticket Affect Car Insurance Rates in Florida?

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In Florida and in many other states, speeding tickets are common. But you shouldn’t overlook them because they can negatively affect your car insurance rate.

If you have received a speeding ticket and are worried about its effect on your car insurance rate, you should contact a Florida traffic ticket lawyer today. A traffic ticket attorney can fight your ticket and increase your chances of avoiding higher insurance rates.

When and For How Long Will a Speeding Ticket Affect My Car Insurance Rate?

A speeding ticket can affect your car insurance rate both in the short and long term. Usually, the long-term effect is more severe than the short-term effect.

Most insurance companies look at your driving record only when your insurance policy is renewed or when you buy a new policy. As a result, your insurance company may not notice a speeding ticket right away. Therefore, it probably won’t immediately affect your insurance rate.

However, your insurance company will notice your speeding ticket when your policy expires. Your rate will then increase depending on the number and frequency of your speeding tickets and your age.

Additionally, most insurance companies will look back for a period of at least three years for violations when determining your insurance rate.

You should talk to a Florida traffic ticket attorney today to get an idea of whether and for how long your speeding ticket might affect your car insurance rate.

How Much Higher Will My Car Insurance Rate Be After a Speeding Ticket?

The amount your car insurance rate will increase after a speeding ticket depends on many factors, including:

  • The number of tickets you have had, 
  • The frequency of your tickets, and
  • Your age.

Generally, the more speeding tickets you get in a short timeframe, the higher your insurance rate will be.

In Florida, there is typically a larger increase in insurance rates after each ticket. For example, your insurance rate may increase only minimally after your first speeding ticket. But if you get a second or third speeding ticket within a short time of receiving your first ticket, your insurance rate is more likely to increase sharply.

Additionally, the younger you are, the more your insurance rate will increase. For example, if you are under 25 when you have a speeding ticket, your rate likely will increase more than if you were 25 or older.

You should also be aware that receiving a number of speeding tickets can make it more difficult for you to get car insurance in the future.

A Florida traffic ticket lawyer can help to reduce the amount your insurance rate may increase after you receive a speeding ticket.

How Can a Florida Traffic Ticket Lawyer Help Me with My Ticket?

The Florida traffic ticket lawyers at Skubiak & Rivas can help you fight your speeding ticket. One of our lawyers will represent you in court and zealously advocate on your behalf. Depending on the nature and severity of your ticket, we could get your charges reduced or even dropped.

Additionally, our experienced traffic lawyers will strive to prevent your insurance rate from increasing dramatically by avoiding the addition of points on your permanent driving record.

Contact us today for your free consultation.

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