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In the US State of Florida, drivers can get penalty points or a demerit point, which can result in their driving license being canceled or suspended. A license can be suspended or canceled based on the number of penalty points accumulated by Florida State drivers over a period of time because of the traffic offenses or infringements they committed during that period.
You can contact the Department of Motor Vehicles (DMV) for your State to check your penalty points. To check If Speeding Points Affect Insurance, read our article.
How do Points on a Driver’s License Affect Insurance in Florida?
In Florida, driver’s license points affect insurance premium costs. Based on our case study, Florida’s average car insurance premium is $1,101 per year for no violation points. If you get driving penalty points for a fault accident, your insurance premium cost will increase by an average of 21%, which will be $1,674 on average. Racing or reckless driving points can grow up to 41% of your insurance premium policy, so these offenses generate an average insurance cost of $2,364 in Florida.
However, each insurance company has its driving points records ranking system. For the same offenses or penalty points, you can have different insurance premium increases in various companies.
For example, for a same-fault accident in Florida, Nationwide can increase the insurance policy by 10%, while Allstate and Progressive insurance can increase up to 38%.
How long do points stay on your driving record in Florida?
Points on your license can increase your insurance costs by over 50% when those points remain on your license. That means a usual $400 for auto insurance could cost you $600 a month instead. Most insurance companies won’t raise your rate by 50% for your first violation with points.
How much do 2 points affect insurance in Florida?
On average, two penalty points in Florida will affect a 6% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, others can increase costs by up to 70%.
How much do 3 points affect insurance in Florida?
On average, three penalty points in Florida will affect an 8% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, others can increase costs up to 66%.
How much do 4 points affect insurance in Florida?
In Florida, 4 penalty points will affect an average 7% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, some can increase costs up to 100%.
How much do 5 points affect insurance in Florida?
In Florida, five penalty points will affect an average 9% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
How much do 6 points affect insurance in Florida?
In Florida, six penalty points will affect an average 11% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
How much do 7 points affect insurance in Florida?
In Florida, seven penalty points will affect a 30% premium insurance increase on average. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
How much do 8 points affect insurance in Florida?
In Florida, eight penalty points will affect a 36% premium insurance increase on average. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
The length of a suspension period for any Florida license holder
- 12 Points in 12 months – suspension of 30 days
- 18 Points in 18 months – suspension of 3 months
- 24 Points in 36 months – suspension of 1 year
Offense and driving points record in Florida
| Violation | Number of Points Assigned |
| Failure to use child restraints or seat-belt | 3 |
| Improper backing | 3 |
| Failure to obey traffic control device | 3 |
| Failure to yield the right-of-way to a pedestrian | 3 |
| Speeding | 3 |
| Careless driving | 3 |
| Failure to obey traffic control signal | 4 |
| Failure to stop at a red light on a one-way street before making a left turn | 4 |
| Passing on the enter/exit side while the bus is stopped | 4 |
| Reckless driving | 4 |
| Leaving the crash scene without giving information for more than $50 damage | 6 |
From 2022.,Jason writes educational insurance articles for Promtinsurance.com.
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