Yes. Florida's numbers are a little lower than its big neighbors, but the course still pays for itself many times over.
Florida's insurance market punishes a single ticket somewhat less than California or Texas, but our true-cost study still puts the three-year exposure on a typical ticket at about $3,966. The election route, paying the fine plus a 4-hour course and fees, typically costs $40 to $60 beyond the ticket itself, and buys no points, no conviction, and statutory protection against the surcharge, since Florida law bars insurers from raising rates on an election with no points. That is roughly 65 to 100x on the money, a strong return by any normal standard.
Why the ration still matters: Florida lets you elect only eight times in a lifetime (s. 318.14(9), as amended 2025; note FLHSMV's own FAQ still shows the old five-election limit, so cite the statute). Because the return is high, elect whenever points would otherwise land on a record that matters. The only time to pause is a very marginal ticket late in your election count, when you may want to save an election for a costlier violation.
The clock either way: elect with the clerk within 30 days or the question answers itself.
Approved BDI courses are compared on the Florida page; the rationing math is on our frequency page.