Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Auto Insurance Agent

UPDATED: Jun 3, 2021

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Don't Forget These Facts

  • The standard look-back period for auto insurance is usually three years
  • DUIs can remain on your driving record for seven to ten years
  • If you have multiple traffic violations or accidents within three years, your auto insurance rates will be higher than average

Are you concerned about driving infractions that you had in the past? The standard look-back period for auto insurance companies varies. Each traffic violation impacts a driver’s history differently.

Don’t worry – we’re here to show you what auto insurance checks for when you request a policy. If you’ve run into expensive SR-22 insurance costs, we’ll explain how to qualify for more affordable SR-22 insurance rates.

Read on to learn more about the standard look-back period for auto insurance companies, then enter your ZIP code in the free online quote tool to compare multiple companies near you before you buy SR-22 insurance.

What is the standard look-back period for auto insurance?

Car insurance companies that only look back two years are uncommon. Most auto insurance providers look back at least three years.

But how far back do insurance companies check for DUI? And what do car insurance companies check? Continue reading to find out more.

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What do auto insurance companies check during the look-back period?

When car insurance companies look back at your driving record, they search for any traffic violations and accidents. Speeding violations, accidents, and DUIs are the most common infractions, and they impact your auto insurance rates.

Auto insurance companies want to know how many claims you filed within those three years.

Your driving record not only determines the price of auto insurance rates but it determines your overall risk. Motorists with multiple violations within three years are high-risk and are often ordered to get SR-22 insurance.

You’ll need to carry SR-22 insurance certification for three years and reapply if auto insurance companies consider you a high-risk driver after three years.

How long does an accident stay on my driving record?

Most driving violations, including accidents, can stay on your driving record for three to five years, depending on the state. An accident is one of the most impactful factors to expensive auto insurance.

How long do DUI convictions stay on my driving record?

Areas around the United States are tough on DUI convictions. Therefore, a DUI can stay on your driving history for seven to ten years, depending on the state.

Some locations in the United States have DUIs on your record permanently. However, auto insurance companies reasonably issue rates, so you shouldn’t have to worry about one DUI conviction that’s older than ten years.

Can I find affordable SR-22 auto insurance?

Cheap SR-22 insurance is challenging to secure, but it’s possible. Here’s an example of how expensive SR-22 insurance can be for a high-risk driver:

  • National Average Annual Rate – $1,447/yr
  • National Average Annual Rate w/ SR-22 Attached – $2,761/yr

These are sample rates that are subject to change. Auto insurance companies will look into personal factors to determine cost. Your driving record, age, gender, and even marital status play a role in auto insurance rates.

Although SR-22 insurance is for high-risk drivers, you can still qualify for auto insurance discounts.

Frequently Asked Questions: Standard Look-Back Period for Auto Insurance

Before we wrap up this guide, let’s answer a few questions about auto insurance companies.

#1 – Do auto insurance companies report accidents to the DMV?

The short answer is no. Auto insurance companies keep records of accidents on the C.L.U.E. report.

#2 – Why does a moving violation affect my auto insurance rates?

Moving violations reveal your risk. Multiple moving violations indicate a high risk for auto insurance companies.

#3 – Can I obtain a copy of my auto insurance history?

Yes, you can. An organization known as the Comprehensive Loss Underwriting Exchange (C.L.U.E.) maintains and manages your car insurance history.

You can request a copy of your record. Payment history, accidents, and other details about your insurance history will be in your C.L.U.E. report.

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The Standard Look-Back Period for Auto Insurance: The Bottom Line

Your driving history from the last three years will be the period auto insurance companies will look into to determine auto insurance. To secure the best rates, you’ll need to maintain a clean driving record.

Now that you know more about the standard look-back period for auto insurance, you’re ready to compare auto insurance near you. Use our free online quote tool below to compare the best companies in your local area.