How many points will suspend a license in FL?

Florida drivers receive points for each moving violation they wrack up. However, points differ based on the severity of the infraction. Those points accumulate over time and lead to a suspended driver’s license.

How many points are needed to suspend a license in FL? It depends on how many points are on your driving record during a given time. For example, 12 points in one year results in a suspended license.

In addition, moving violations increase auto insurance rates. Repeated infractions and points drive rates through the roof. Not to mention, recurrent offenses lead to a revoked license,

Continue reading to learn more about how many points suspend a driver’s license in Florida and how to lower auto insurance rates.

How many points will suspend a license in FL?

When you receive a Florida ticket, fines and points accompany it. Points are demerits assigned to moving violations. The more serious the offense, the higher the points.

For example, texting and driving earn three points, but reckless driving earns four points. If you leave the scene of an accident, you receive six points.

Additionally, if you get a ticket while out-of-state, those points also appear on your Florida license.

How many points can you accumulate on your license in FL before it’s suspended? The number of points you can accumulate before your license is suspended varies based on numerous factors.

Your license is suspended if you receive:

• 12 points in one year
• 18 points in 18 months
• 24 points in 36 months

In addition, drivers under 18 who receive six points in a year have their licenses restricted.

How do I find out how many points are on my license? Order a copy of your driving record from the Florida Department of Motor Vehicles (DMV) to determine how many points are on your record.

According to the Florida DMV, you can find out your license status online or order a copy of your driving record from any DMV office for more detailed information.

Three major offenses or 15 minor offenses within five years result in a revoked Florida license. At that point, you’re considered a habitual offender.

What do I need to get a Florida driver’s license reinstated?

If your Florida license is suspended, knowing how to reinstate it is crucial. Since there are many reasons for a suspended license, recovering your license isn’t simple.

First, complete any driving courses or other classes mandated by the court. Also, pay any assessed fines. You can also appeal your conviction.

Next, you may have to wait out your suspension.  While completing court-ordered requirements is important, it doesn’t automatically reinstate your license. Remember, points fall off of your license after three years. So you may get your license back once points drop below the threshold.

Finally, apply for a hardship license. Typically, a hardship license allows you to drive to certain locations, like school, work, or the doctor, during specified times.

How much is auto insurance in Florida?

Like most states, Florida requires drivers to carry at least a minimum amount of auto insurance. However, coverage is extremely limited.

Florida only requires $10,000 in personal injury protection (PIP) and $10,000 in property damage liability coverage (PDL). Coverage for your vehicle isn’t required; however, adding collision and comprehensive coverages offers more protection.

This table displays average Florida auto insurance rates for various coverages. However, drivers with points on their licenses pay much higher rates.

Although Florida full coverage auto insurance is more expensive, it offers much more protection for you and your vehicle.

Remember, accidents, tickets, and DUI infractions greatly increase car insurance rates. While rates vary, drivers with a poor driving record face much higher rates.

How can you save on Florida auto insurance?

Regardless of how many points are on your Florida driver’s license, there are easy ways to lower auto insurance rates.

First, take advantage of discounts. Most insurance companies offer various discounts, and many drivers qualify for more than one. So bundle all the eligible discounts to receive the most savings.

In addition, take a defensive driving course. Not only can you receive a discount, but it also removes points from your license. However, Florida drivers can only take the course once every year.

Next, avoid additional moving violations. After three years, points fall off your Florida driver’s license. So, you could have a clean driving record and much lower auto insurance rates in three years.

Finally, shop around for Florida auto insurance. Every company evaluates your personal factors differently. Compare rates and discounts from multiple companies to find your cheapest Florida insurance.

How many points will suspend a license in FL? The Bottom Line

If you earn 12 points in one year, 18 points in 18 months, or 24 points in 36 months, your Florida license will be suspended. Also, three major offenses or 15 minor offenses within five years result in a revoked license.

The good news is that points drop off your record after three years. So you may not have to wait a long time to get your suspended license back.

Although Florida auto insurance rates are reasonable, multiple tickets, accidents, and DUI offenses cause significant increases.

Add discounts and take a defensive driving course to lower rates. However, avoiding additional infractions reduces rates the most. Obey traffic laws and drive safely to get the lowest auto insurance rates available to you.