Some states may have a limit on how far back an insurance company can go to determine rates the Florida insurance regulator does not list any such time period.

According to the FL Department of Financial Services (FLDFS), insurance companies are permitted to consider drivers who have had an accident or received convictions for driving violations as higher risks.

Insurance carriers in Florida may charge drivers with accidents and violation convictions on their driving record higher rates for automobile insurance than those with driving records free of accidents and violations. Each insurance company has underwriting guidelines to determine what kind and how many accidents or violations during a specified period constitute a high-risk driver.

So while some states may limit the "look back period" Florida does not appear to do so and allows insurance companies to determine their own period of time to rates on accidents and violations. In general most insurance providers have their own internal guidelines for a look back period of 3, 5 or 7 years.

Your 2 speeding tickets from last year will likely affect your auto insurance premiums for at least 3 years but it could be 5 or 7 years depending upon your insurance company's guidelines. To find out how long your specific insurance carrier will surcharge you for your speeding violations listed on your MVR speak with your agent about your company's rating system.

To see if you can find an insurance company with a shorter look back period or just one with better rates then you currently have, click here for a car insurance quote.