If you are a licensed driver pulled over for speeding in the state of Florida, the consequences depend on a number of factors. These include how many miles over the speed limit you were traveling, your previous driving history, your current risk level as determined by your auto insurance company and whether your speeding led to an accident or injuries to other people.
Speeding Tickets affect your car insurance policy in Florida
Drivers who are clocked going up to 15 miles per hour over the posted speed limit in Florida may or may not receive a speeding ticket from the police officer who stopped the car. If you do receive a ticket, it will mean an assessment of three points on your driving record. Whether your insurance rates go up as the result is up to your insurance company. Most are willing to overlook this minor offense if it is your first time being stopped for speeding.
Driving 16 miles or greater over the speed limit in FL is considered a mid-level driving offense. It results in a four point assessment on your driving record and is likely to affect your insurance rates. Insurance companies may also consider you to be a higher risk now, even with no previous violations. You may be able to get the higher charges and risk reduced by agreeing to participate in a formal course for driver skills improvement.
If you drive more than 25 miles an hour over the speed limit, you will be charged with reckless driving and have six points added to your driving record. That may increase if you had child passengers in your car. If you have any previous violations, having something as serious as reckless driving could cause your insurance to be cancelled, or at the very least, a huge increase in the auto insurance premiums you currently pay.
