How Far Back Will My Insurer Check My Driving Record?

Insurance companies will typically check your driving record as part of the underwriting process when determining your premium. However, the length of time that an insurer will look back can vary but typically ranges from three to five years. If you have a history of serious offenses such as drunk driving or reckless driving, your insurer may check records for longer.

It’s important to note that a clean driving record can result in lower insurance rates. In contrast, a driving record with multiple violations, such as a DUI conviction, can result in higher rates or even a denial of coverage. Therefore, maintain a safe driving record to ensure you receive the best insurance rates possible.

How Insurance Companies Check Your Driving Records

Insurance companies use various methods to access your driving records, including the state Department of Motor Vehicles (DMV) and commercial driving record databases. The DMV provides a complete record of a driver’s history. Commercial databases also offer driving history information but may not be as comprehensive as the DMV record.

What Do Insurance Companies Look For On Your Driving Record?

Insurance companies typically focus on your driver’s history, traffic violations, accidents, and license suspensions when checking your records. However, they also look for behavior patterns, such as multiple speeding tickets or at-fault accidents, which can indicate a higher risk of future accidents. Therefore, it’s a good idea to periodically check your driving record to ensure it’s accurate and up-to-date.

Overall, driving record is a major factor that insurance companies consider when determining insurance rates. Remember to never lie to your auto insurance company about your record.