Getting a speeding ticket in Miami, FL may feel like a one-time fine—but the real cost hits later, when your insurer re-evaluates your rate. Here’s everything you need to know:
When does the increase apply?⏳
When does the increase apply?In Florida, a speeding ticket typically raises premiums by about 16%, which translates to roughly $56/month or $677/year. Clean drivers often pay around $4,151 per year, while ticket holders can expect rates near $4,829. In Miami specifically, premiums typically increase by about 19%, rising from $3,345 to nearly $4,700.
📈 How much will my rate increase?
The rate hike usually takes effect at your next policy renewal, typically 3–6 months after the Ticket. Once it takes effect, expect to pay higher premiums for approximately three to five years.
💵 What’s the real cost in Miami?
| Record Type | Annual Premium | Increase |
|---|---|---|
| Clean | $3,345 | — |
| + Ticket | $4,696 | + $1,351 (~40%) |
That means an extra $112 per month—enough to sacrifice a surf charter or a monthly dinner out.
🛡️ How to avoid or reduce the hike
- Contest the Ticket: If it’s dismissed or pled no-contest with no points, insurers often leave your rate untouched.
- Take BDI (Basic Driver Improvement): This traffic school option in Florida removes points for violations under 30 mph, and most insurers will honor it.
- Shop around: Even after a ticket, rates vary—some drivers save up to $1,700 per year by switching.
Miami-Dade County is a hotspot for speed enforcement, with tens of thousands of tickets issued annually. Combine that with already high baseline rates, and even a single Ticket can have a significant financial impact.
📍 Why Miami drivers are most affected
✅ FAQs
How long does a speeding ticket affect insurance in FL?
Your insurance typically stays elevated for about 3–5 years, even though the Ticket remains on your record for five years.
Can I avoid insurance hikes if the Ticket is dismissed?
Yes—if the Ticket is dismissed and you earn no points, your insurer generally won’t raise your rate.
What is Florida’s BDI course?
Fundamental Driver Improvement is a traffic school that prevents points for violations committed at speeds below 30 mph above the limit and is widely accepted by insurers.
How much is a Florida speeding ticket fine?
Fines usually range between $100–$125 for most offenses, though special zones may incur higher costs.
When will my insurer know about the Ticket?
Most insurers learn about your Ticket at policy renewal, typically within 3–6 months after resolution.
🚀 TL;DR
- Yes—a speeding ticket in Miami usually increases rates 16–19%, adding $677–$1,351/year.
- This increase starts at your next renewal and can last 3–5 years.
- You can fight it, take a BDI course, or shop around to minimize the impact.
📞 What to do now
Don’t let a one-time mistake drain your budget. Schedule a free Miami speeding ticket defense consultation with TicketShield today—fight it, and keep your record and your premiums clean.