The Impact of Traffic Violations on Your Auto Insurance in Florida

Traffic violations can have a significant impact on your auto insurance rates. One consequence of traffic violations is an increase in your insurance premiums. Insurance companies view traffic violations as indicators of risky behavior, which translates to a higher likelihood of future claims. More severe violations, such as reckless driving or DUI, can lead to even steeper increases.

Points on Your License

In Florida, traffic violations often result in points added to your driving record. Accumulating points can lead to higher insurance rates because insurers consider drivers with points higher risk. Accumulating too many points within a short period can also result in license suspension, further complicating your insurance situation.

Traffic violations that trigger points may include the following:

• Speeding

• Driving too fast for road conditions

• Failure to stop for a school bus

• Failure to yield right-of-way to pedestrian

• Failure to use required child restraint

• Careless driving

• Leaving the scene of a crash

Long-Term Financial Impact

The financial impact of traffic violations extends beyond immediate premium increases. In Florida, most violations remain on your record for three to five years. This means that a single mistake can have long-lasting financial consequences, making it crucial to drive safely and avoid infractions.

Legal and Administrative Fees

In addition to higher insurance premiums, traffic violations can result in various legal and administrative fees. These costs can add up quickly, especially if you need to attend court hearings or pay fines.

How to Lower Auto Insurance Rates After Traffic Violations

One way to mitigate the impact of traffic violations on your insurance rates is by taking a defensive driving course. In Florida, completing such a course can reduce the points on your license and potentially lower your insurance premiums. These courses teach safe driving techniques and help reinforce good driving habits.

Contact Us

Contact Casual Insurance Group in West Palm Beach, Florida, for an auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.