What impact does your driving record have on your car insurance premium?

I was a poor, inattentive driver when I first got behind the wheel. I have a bunch of tickets and a few accidents on my driving record. Now that I bought my own car, my parents want me to get my own insurance. How much will my driving record impact my rate?

Answer
“Your driving record is one of the main factors that car insurance companies use to determine your premium. The more accidents and tickets you have, the higher your risk to insure. As a result, most insurers will quote you a higher rate due to your poor driving history.
However, how much your car insurance will increase isn’t easy to determine. On average, a lone accident will increase your rates by up to 38% while a ticket may increase your rates from 22% to 30%. The age of your violations is important as well. After three to five years, tickets and accidents won’t impact your rate as much.
Carriers also look at your age, credit history, location, and type of vehicle you drive as other determinants of your car insurance rates.”
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Emily Maracle
Answered on Jul 29, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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