No proof of insurance ticket in Florida

A no insurance ticket in Florida costs $116–$129 across 2 courts.

Fine$116–$129across 2 courts

PointsSee state rules

If you fix itUp to $10to have it dismissed

Basic Driver Improvement (BDI) courseYes

Can you pay less if you fix it?

The cheapest way out under Florida law: show insurance valid at the time of the stop, and you pay up to $10 instead of $116–$129.

Show insurance valid at the time of the stopFlorida law, to have it dismissedUp to $10^[3]

How much does each court charge for a no insurance ticket?

Miami-Dade County charges the most, at $129. Palm Beach County charges $116.

Miami-Dade County$129

Palm Beach County$116

Amount on your notice (not published): Broward County, Hillsborough County, Orange County, Duval County, Pinellas County, Pasco County.

How long do you have to respond to a no insurance ticket in Florida?

You have 30 days to pay or respond to a no insurance ticket in Florida. These are the dates that matter:

30daysPay or respondfrom the ticket date^[2]^[3]^[4]
Details
Pay the civil penalty, enter a clerk payment plan, or elect a hearing. If you miss it: Missing it adds a $16 delinquent fee and the clerk reports the failure to FLHSMV, which suspends the license.
10daysCourt reports your coursefrom conviction^[2]
Details
Clerk reports the disposition to FLHSMV (points posted)
20daysLicense suspended if ignoredfrom the notice date^[4]
Details
License suspension after failure to pay/appear/attend school. If you miss it: Clerk notifies FLHSMV within 10 days of the failure. FLHSMV's suspension order takes effect 20 days after it is provided. Reinstatement requires clearing the case with the clerk plus a $60 service charge.
30daysChoose traffic schoolfrom the ticket date^[14]
Details
Elect Basic Driver Improvement in lieu of points. If you miss it: Right to elect BDI is forfeited and points are assessed.

Can you keep a no insurance ticket off your Florida record?

Basic Driver Improvement (BDI) course. It can help. Adjudication is withheld, no points are assessed, and the 318.18(3) civil penalty is reduced by 18 percent (2026 text).^[2]^[4] Who qualifies →

Every way to handle a Florida ticket, from paying to contesting →

No insurance tickets in other states →

What else do people ask?

How much is a no insurance ticket in Florida?

It depends on the court. Published amounts: Miami-Dade County $129, Palm Beach County $116.

How long do I have to respond to a no insurance ticket in Florida?

30 days from the date on the ticket. Failing to pay within 30 days, to comply with a payment plan, to attend driver improvement school, or to appear at a hearing: the clerk notifies FLHSMV within 10 days, FLHSMV suspends the license effective 20 days after the order, a $16 delinquent fee is added, and reinstatement requires a clerk compliance certificate plus a $60 service charge.

Sources

Florida law and DMV sources (5)

Fla. Stat. §318.14 (Noncriminal traffic infractions, procedures), 2026 Florida Statutes, Florida Legislature.
Fla. Stat. §318.18 (Amount of penalties), 2026 Florida Statutes, Florida Legislature.
Fla. Stat. §318.15 (Failure to comply with civil penalty or to appear, penalty), 2026 Florida Statutes, Florida Legislature.
FLHSMV: What is Basic Driver Improvement (BDI) and how do I find the approved listing of BDI course providers?, Florida Department of Highway Safety and Motor Vehicles.
FLHSMV: Driver Improvement Courses, Florida Department of Highway Safety and Motor Vehicles.