Does a speeding ticket while on FR44 affect my filing or rates?
A speeding ticket won't cancel your FR44 filing or reset your 3-year clock. However, it can increase your insurance premium at renewal — you're already in the high-risk pool, and additional violations can push rates higher. It may also affect your license status if you accumulate too many points.
Impact on Your FR44 Filing
The FR44 filing stays in place regardless of a speeding ticket. Your carrier doesn't cancel the FR44 certificate because of a minor traffic violation. The 3-year clock keeps running.
Impact on Your Rates
Your carrier may increase your premium at the next renewal. You're already classified as high-risk (the DUI put you there), and additional violations can make that classification worse. The rate increase depends on your carrier and the severity of the ticket.
Impact on Your License
Florida's point system applies regardless of FR44 status. Accumulating 12 points in 12 months triggers a 30-day suspension. While on FR44, an additional suspension can complicate your reinstatement significantly. Drive carefully — you can't afford another violation right now.
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