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.
Since auto insurance companies want to know your risk as a driver before they insure you, they typically look back anywhere from 3 to 5 years at your claims history, accidents, and traffic violations. The charges on your record will determine how much your premium increases.
That said, every insurer is different and the look-back period can differ depending on the violation. A DUI will remain on your record and impact your insurance rates for longer than a small speeding ticket, for example.
To avoid overpaying for your car insurance, get
online quotes
from at least 3-5 providers. If you're a high-risk driver, you may find the best rates with a provider that specializes in non-standard insurance:
MORE: How to get car insurance with a bad driving record
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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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