How long do car insurance claims stay on your record?

I filed a car insurance claim last year, and my insurance rates have gone up. How long will this last?

While it can be frustrating to have your car insurance rate increase after finally a claim, thankfully, it won’t last forever.
Generally, car insurance companies look at the last three to five years of your driving history when determining your rate, but it also depends on factors like where you live.
Because it’s a waiting game, you can try to lower your rates in the meantime by taking advantage of discounts your insurance company might offer like:
Another option is to shop around and try to find something cheaper by gathering quotes from at least three to five companies. You also can use the Jerry app. Jerry pulls quotes from the top 50 companies in under a minute and delivers the best deals right to your phone, giving you an easy way to comparison shop for free.
Lauren Smith
Answered on Nov 02, 2021
Lauren has written for World Nomads, the Matador Network, Korvia Consulting, and once upon a time Three Fates Games. She graduated from Columbia College of Chicago with a BFA in Creative Writing. After graduating, she moved overseas and lived in South Korea where she spent her free time traveling and going on road trips with friends. She misses the rest stop potatoes and is trying to figure out how to recreate them at home. She's now based outside of Chicago and when she's not writing she spends her free time reading, playing video games, and exploring whenever she can.

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.
Let Jerry’s experts help you find savings on your car insurance!
No long forms or spam · Get quotes from 40+ carriers
Find insurance savings (100% Free)
rating primary
4.7/5 Rating on App Store