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How far back do insurance companies check driving records?
I’m thinking about switching insurance companies because my current premium is through the roof. However, I have a ticket from about 6 years ago and I’m worried it will still affect my rate. How far back into your driving record do insurance companies look?
Andrea Barrett · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Having a ticket on your record can sometimes mean a big premium hike, so it’s a valid concern!
Because auto insurance companies want to know your risk as a driver, they typically look back anywhere from 3 to 5 years at claims, accidents, and traffic tickets. The charges on your record will determine how much your premium increases.
However, how far back the company checks does differ between companies and states, and it can vary depending on the charge. For instance, if you were nailed with a DUI, it will appear on your driving record for seven years and will affect your premium. If you have a violation outside that period and you’re unsure whether a past ticket will affect your insurance rates, call the insurance company to confirm.
Whether you have a ticket on your driving record or not, you shouldn’t have to be paying crazy amounts for insurance. Car insurance super app
Jerry
can help you find the best coverage for the lowest rate possible. Jerry connects you with some of the country’s top insurance companies to help save you money on car insurance. And getting started is easy. Just download the Jerry app, enter your information, and Jerry will send you the most competitive quotes. Once you find the right policy, they’ll take care of getting you switched over. Best of all, you don’t have to be paying an arm and a leg for insurance—you could be saving an average of $887 a year on car insurance!
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- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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