Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati....

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 30, 2022

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The Full Review

  • The amount of points you accrue in a certain amount of time determines if your Florida driver’s license is suspended
  • Each driving infraction receives a different number of points, and points remain on your record for three years
  • Save money on Florida auto insurance with discounts

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.

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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.

Florida Average Annual Auto Insurance Rates By Coverage
Coverage TypeAverage Annual Auto Insurance Rate
Liability coverage$858
Collision coverage$283
Comprehensive coverage$117
Full coverage$1,257
Medical payment coverage$32
Personal injury protection$188
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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.

Auto Insurance Discounts By Company
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-Lock Brakesxxx555x5xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device/AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Engaged CoupleN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New Customer/New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingxxxN/Ax$30x$233
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Roadside AssistanceN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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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.