Plot hole: Dafoe and Bullock leave the ship a long time before it hits the tanker and there is a lot more time before it crashes into the town and even more before Alex gets on that speedboat. No matter how fast he could have gone, there is no way he would have caught up with them.
Speed 2: Cruise Control (1997)
Ending / spoiler
Directed by: Jan de Bont
Starring: Willem Dafoe, Sandra Bullock, Jason Patric, Temuera Morrison
Geiger takes Annie as his hostage and flees the ship on a motorboat, setting the ship to crash into an oil tanker. Alex chases after them but fails to get to Geiger in time. Giuliano saves him from falling into the water and they tamper with the ship's anchor to slow it down and steer it away from the oil tanker. The two ships nearly collide. The cruise ship crashes into St. Maartan and destroys several city blocks before coming to a stop. Alex commandeers another motorboat and pursues Geiger and Annie. Geiger and Annie board a seaplane but Annie manages to escape. Geiger crashes into a large pole on top off another oil tanker. Right after the tanker is evacuated Geiger's plane explodes, as does the tanker. Annie and Alex continue their vacation.
Eric
More mistakes in Speed 2: Cruise Control
Alex: Go faster.
Maurice: Give me one good reason.
Alex: If you don't, I'll push you off the boat.
Maurice: That's a good reason.
More questions & answers from Speed 2: Cruise Control
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Answer: Annie is a reckless driver. The way she drives during her test certainly fits with the description she gives in the first film of why her license was revoked. She only says "speeding" when asked why her license was revoked but excessive speeding and reckless driving go hand in hand. It is doubtful that anyone who has had their license revoked for speeding tickets would be an otherwise safe and responsible driver.
BaconIsMyBFF
Not everyone that speeds is reckless. The driving scene in Speed 2 is excessively bad.