Almost every state (except New Hampshire and Virginia) requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.

The cost of insurance is affected by many factors, including the driver’s driving record. A single speeding ticket can increase your insurance rates by as much as 25-30%, and more serious offenses such as DUI/DWI, street racing, or hit-and-run can increase the cost of your insurance by 75% or more.

A driver who has received a ticket or citation for a criminal offense or traffic violation with the potential to increase their insurance rates may want to consult with a lawyer who has relevant experience and expertise.

In Florida, licensed drivers are required by law to carry a minimum amount of auto insurance. This includes at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL). Florida does not require bodily injury liability (BIL) coverage for most drivers, but it is recommended to protect oneself against claims from others in case of an at-fault accident. Insurance premiums are influenced by various factors, including the driver's record. Infractions such as speeding tickets can increase insurance rates significantly, typically between 25-30%. More severe violations, such as DUI/DWI, street racing, or hit-and-run, can lead to even higher increases, sometimes exceeding 75%. Drivers in Florida who have received citations or are facing charges that could impact their insurance rates may benefit from consulting with an attorney who specializes in traffic violations and insurance law to explore their options and potentially mitigate the consequences.