How Your Driving Record Impacts Your Auto Insurance Rates

How does your driving record impact your auto insurance rates? The most telling sign of a risky driver is their driving record. Issued and maintained by the Department of Motor Vehicles (DMV), your driving record lists all moving violations and includes any accidents and/or collisions on file with police departments. Anything connected to your license is likely to show up on your driving record. This is one of the main ways auto insurance companies assess your risk as a driver, and therefore has a direct effect on your premiums.

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for for over a year and enjoys creating content that offers expert advice on car insurance topics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Aug 26, 2020

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How does my driving record affect my auto insurance rates? Can insurance companies check my driving record? Where can I get auto insurance for a poor driving record? These are some of the questions that might be running through your mind. Many factors go into determining your auto insurance premiums, but what it all comes down to is one’s liability and risk to an insurer.

The most telling sign of a risky driver is their driving record. Issued and maintained by the Department of Motor Vehicles (DMV), your driving record lists all moving violations and includes any accidents and/or collisions on file with police departments. Anything connected to your license is likely to show up on your driving record.

Continue reading our guide on auto insurance and driving records below. Inside you will find:

How Your Driving Record Impacts Your Insurance Rates

Can Your Driving Record Affect Your Car Insurance Rates?

Auto insurance companies consider many factors to determine how much you pay for car insurance, such as your age, gender, credit score, and the car you drive. One of the most influential of these factors is your driving record. To calculate the premium you pay, the car insurance company must evaluate the financial risk of insuring you. Your driver history plays a big role in calculating the probability of you getting into an accident in the future.

When evaluating you, the auto insurance company is going to look at your driving record for the state you’re currently licensed in as well as any previous driving records from other states. It varies from company to company, but typically, they look at your driving record for the last 3–10 years.

Each offense is graded based on severity. A driver with a few traffic violations is going to pay less than someone with a few speeding tickets. If you’ve gotten in a few accidents, expect your premium to be higher. On the same note, somebody with a DUI or similar offense on their driving record is likely to pay even more than the previous scenarios.

There is no way to know exactly what you’ll pay, but there are a couple of tools and methods you can utilize to get a general idea of your premium. Looking at your violation points is a simple way to estimate your premium. Every state in the US uses the points system. The severity of your violation determines how many points you receive. For each violation, you accrue 0–4 points and sometimes more for serious offenses such as a DUI. Typically, every year, the state removes one point from your record. The more points you have, the more you pay.

The only way to get an accurate estimation of your premium is to apply for free quotes from the insurance companies. They will likely ask about your driving record, which they are likely to double-check against your driving record before approval. These tools are generally easy to use and don’t take much more than ten minutes. This is the only way to get an estimate of your premium and is by far the most accurate.

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Improving Your Driving Record

Even if you have a less-than-perfect driving history, you can still find great deals on car insurance (although some driving infractions could make getting auto insurance a costly ordeal). Offenses like a DUI/DWI on your record will be there for at least half a decade and will cause some auto insurance companies to label you as a high-risk driver, resulting in additional fees and higher rates.

Some infractions, however, can be erased from your record altogether (although this relies heavily on local law and your sentencing should you have to go to court). Some jurisdictions and departments of motor vehicles will let you wipe negative marks off your record in exchange for a fee or taking driver improvement classes, but this depends on your situation and local law. For the most part, time is the only thing that can heal all.  Most driving infractions will be wiped off your record eventually.

Maintaining a Good Driving Record

Of course, the best defense against high rates caused by risky driving is to drive safely and maintain a clean driving record. Everyone has the opportunity to get low rates on auto insurance by being responsible on the road and knowing where to look for the best auto insurance rates.

You won’t qualify for as many discounts with a bad record, but if you do have a bad record, it’s even more important that you seek as many discounts as possible to make up for the higher rates you’ll be paying for coverage. On the same note, those that have taken driving seriously and kept their driving records clean have a lot to gain from special good driver discounts, including benefits like accident forgiveness.

To find the best possible insurance rates online, get free auto insurance quotes from us. After entering your zip code above (or below) and filling out our brief three-page form, you’ll get quotes for varying levels of coverage from a variety of auto insurers. The rates will vary greatly depending on your driving record and other factors. Get a quote now!  Shopping for auto insurance online guarantees you will get the best rates and discounts on your coverage.

Additional Resources Regarding Your Driving Record And Auto Insurance

  • – How your driving record affects your insurance rates.
  • How Stuff Works – How does your driving record affect your insurance rates?
  • Time Magazine – Bad driver? That’s OK if you’re rich!
  • CBS News – A good driving record doesn’t always equal low insurance rates.

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