Real Cost Calculator • See the Math
How Much Does a Traffic Ticket Increase Insurance?
A traffic ticket in Florida typically increases your insurance by 20-40% for 3-5 years. That's $900-$2,400+ in extra costs. Here's the complete breakdown with real math.
A single traffic ticket increases Florida insurance rates by $300–$800 per year for 3–5 years, costing $900–$4,000+ total. Speeding tickets raise rates 20–30%, while careless driving can increase them 40%+. Getting your ticket dismissed means zero insurance impact — fighting costs $35–$89 ($69 each for 2+ tickets) vs. thousands in rate hikes.
20-40%
Average Increase
3-5
Years Duration
$2,400
Typical Total Cost
Why Insurance Goes Up
You're Seen as Higher Risk
Insurance companies think you'll have more accidents
They Check Automatically
DMV reports convictions directly to insurance
Lasts 3-5 Years
Increase continues even after points expire
Dismissed = No Increase
Not reported to insurance if ticket dismissed
Insurance Increase by Violation Type
Based on average Florida insurance premium of $1,500/year. Your actual increase depends on your current rate, driving history, and insurance company.
| Violation | % Increase | Annual Extra | 3-Year Total |
|---|---|---|---|
| Speeding 1-9 MPH over | 15-20% | $225-$300 | $675-$900 |
| Speeding 10-14 MPH over | 20-30% | $300-$450 | $900-$1,350 |
| Speeding 15+ MPH over | 25-35% | $375-$525 | $1,125-$1,575 |
| Red Light | 15-25% | $225-$375 | $675-$1,125 |
| Stop Sign | 15-25% | $225-$375 | $675-$1,125 |
| Careless Driving | 30-40% | $450-$600 | $1,350-$1,800 |
| Reckless Driving | 40-60% | $600-$900 | $1,800-$2,700 |
| Two Tickets | 35-50% | $525-$750 | $1,575-$2,250 |
💡 All these increases can be avoided by fighting and winning. Our service costs $35 for dismissible violations, $89 for standard defense ($69 each for 2+ tickets). You save $600-$2,700.
Real Example: The True Cost
Scenario: You Pay a $200 Speeding Ticket
Scenario: You Fight and Win (Dismissed)
YOU SAVE: $1,350 by fighting!
💡 The numbers don't lie: Fighting your ticket costs $35-$89 ($69 each for 2+ tickets). Not fighting costs $1,000-$3,000+. Even if you don't win, you often save money by trying. And we achieve favorable outcomes in 97% of cases.*
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