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What does your driving record contain?

"I know that car insurance companies look at driving records, but what's on them? What does it mean if someone has a clean record?"

Emily Maracle · Updated on Aug 30, 2023

Reviewed by Shannon Martin, Licensed Insurance Agent.

A driving record or Motor Vehicle Report includes:

Tickets

Accidents

Driving-related incidents that you’ve been involved in

License suspensions

Points or demerits on your license

A

clean driving record

means that you have no violations, accidents, or tickets on your record. If you have a clean record, an insurance company is going to assume you’re a lower risk than someone who has two speeding tickets on their record. You’ll typically get a lower car insurance rate with a clean driving record.

Accidents, tickets, and violations typically stay on your record for three to five years. If you’re worried about insurance rates because you don’t have a squeaky clean driving record, don’t stress! Your rates will start to decrease as your violations age.

If you want to save money on car insurance right now, use

. Jerry is a free app that can compare up to 50 rates with top insurance providers. The average Jerry user saves $879 a year on car insurance!

MORE:

Tips to Get a Clean Driving Record

View full answer

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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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