🚗 Best Insurance Company for Violations or Tickets: NY & Florida Drivers Guide

Getting a traffic violation or speeding ticket can quickly raise your insurance rates—but it doesn’t mean affordable coverage is out of reach. Whether you’re dealing with a speeding ticket, reckless driving charge, or multiple violations, some insurers are far more flexible than others.

In this guide, we’ll explain how violations affect your insurance, what to look for in the best insurance company for violations or tickets, and how New York 🗽 and Florida 🌴 drivers can still find competitive rates in 2026.

📉 How Violations and Tickets Affect Insurance Rates

Insurance companies view traffic violations as indicators of risk. The severity and frequency of tickets play a major role in how much your rates increase.

Common violations that raise premiums include:

- 🚦 Speeding tickets

- ⛔ Failure to yield

- 🔴 Running red lights or stop signs

- ⚠️ Careless or reckless driving

- 🍺 DUI or DWI convictions

A single minor violation may increase your rate by 20–30%, while multiple or serious violations can lead to much higher premiums—or even policy non-renewal.

✅ What Makes an Insurance Company Good for Drivers With Violations?

The best insurance companies for drivers with tickets typically offer:

🛡️ Violation Forgiveness Programs

Some carriers forgive your first minor violation, preventing a rate increase if you’ve maintained a clean record.

🔍 Flexible Underwriting

Certain insurers focus more on:

- ⏳ Time since last violation

- 🧾 Overall driving history

- 🚘 Annual mileage

📄 Non-Standard Auto Insurance Options

Drivers with multiple tickets may qualify for non-standard or high-risk policies that still meet state requirements.

🔄 Access to Multiple Carriers

Independent agencies can shop your policy across several insurers—critical when violations limit your options.

🗽 Best Insurance Options for Drivers With Tickets in New York

New York uses a Driver Violation Point System:

- 🚗 Speeding: 3–11 points (depending on speed)

- ⚠️ Reckless driving: 5 points

- ❌ 11 points in 18 months can lead to license suspension

📌 NY Insurance Considerations:

New York insurers heavily weigh violations, but rate increases vary by carrier

- 🎓 Defensive driving courses can reduce points and earn insurance discounts

- 🏙️ Pricing differs between NYC and upstate areas based on risk and mileage

💡 Tip for NY Drivers: Completing a DMV-approved defensive driving course can reduce up to 4 points and provide an insurance discount for up to 3 years.

🌴 Best Insurance Options for Drivers With Tickets in Florida

Florida also uses a traffic violation points system:

- 🚓 Speeding: 3–6 points

- ⚠️ Reckless driving: 4 points

- 🚫 12 points in 12 months can result in license suspension

📌 FL Insurance Considerations:

- Florida has some of the highest auto insurance rates in the country

- ⚖️ Insurers closely review violations due to accident and litigation trends

- ⏳ Older violations (3+ years) may carry less weight with certain carriers

💡 Tip for FL Drivers: Traffic school can help prevent points from being added and reduce long-term insurance costs.

⏰ How Long Do Violations Stay on Your Insurance Record?

- 🕒 Minor violations: 3–5 years

- 🚨 Major violations (DUI, reckless driving): 7–10 years

- 📊 Multiple violations: Can affect eligibility for standard insurers

The good news? The impact decreases over time, especially when you maintain a clean driving record.

💰 How to Lower Insurance Rates After a Ticket

If you have violations on your record, you can still reduce your premium by:

- 🎓 Taking a defensive driving or traffic school course

- 🔧 Adjusting deductibles (when appropriate)

- 🚘 Reducing annual mileage

- 🏠 Bundling auto with renters or homeowners insurance

- 👨‍💼 Working with licensed agents who compare multiple carriers

📞 Get a FREE Insurance Quote for NY & FL Drivers With Tickets

If you’ve received a ticket or have multiple violations, we can help.

Our licensed insurance specialists work with top-rated and non-standard carriers that specialize in drivers with violations in New York 🗽 and Florida 🌴. We compare policies, explain your options, and help you find affordable coverage that meets state requirements.

📞 (631) 629-2233
📞 (386) 274-8150

Call today for a FREE, no-obligation insurance quote, even if you have tickets or past violations.

🏁 Final Thoughts: Best Insurance Company for Violations or Tickets

Traffic violations don’t mean you’re stuck with high insurance forever. The best insurance company for drivers with tickets is one that evaluates your full driving profile, not just one mistake.

Whether you’re in New York or Florida, the right carrier—and the right guidance—can make a big difference in both coverage and cost.

📞 Call today and let our licensed specialists help you get back on track .