Carriers often re-rate insurance policies at policy renewal. This could be every six or 12 months, depending on your policy term. If you don’t get into any accidents, submit claims, or have tickets, you’ll likely see a decrease every time.
However, if you already have tickets, accidents, or violations on your record, you likely won’t see a decrease until they start to fall off your driving record. This can take three to five years depending on the state and your insurance carrier.