How Do Car Insurance Companies Check Your Driving Record

Car insurance companies will typically check your driving record when you first apply for insurance and then periodically thereafter. They do this to assess your risk as a driver and to help set your premium rates.

There are a few different ways that car insurance companies can check your driving record. The most common is through motor vehicle reports (MVRs). MVRs are maintained by your state’s department of motor vehicles and contain information on your driving history including any accidents traffic violations or license suspensions or revocations.

Insurance companies can also access your driving record through the National Driver Registry (NDR). The NDR is a database maintained by the National Highway Traffic Safety Administration that contains information on drivers who have been convicted of serious traffic offenses such as DUI/DWI or who have had their licenses revoked or suspended.

Finally some insurance companies may use their own proprietary databases to check your driving history. These databases may contain information that is not included on MVRs or in the NDR such as claims made against your insurance policy or information from motor vehicle accidents that did not result in a conviction.

If you are concerned about your driving record the best way to check it is to request a copy of your MVR from your state’s DMV. This will give you the most accurate and up-to-date information on your driving history.

Table of Contents

How long do car insurance companies keep records of your driving?

Most car insurance companies will keep records of your driving for 3 to 5 years.

How do car insurance companies check your driving record?

Insurers can access information about your driving record from state DMV databases.

What do car insurance companies look for in your driving record?

Insurers look for things such as speeding tickets at-fault accidents DUIs and lapses in insurance coverage.

Do car insurance rates go up if you have a bad driving record?

Yes car insurance rates typically increase if you have a poor driving record.

How much do car insurance rates go up after a speeding ticket?

Rates usually increase by about 20% to 30%.

How much do car insurance rates go up after an at-fault accident?

Rates usually increase by about 40% to 50%.

How much do car insurance rates go up after a DUI?

Rates usually increase by about 80%.

How long does a speeding ticket stay on your driving record?

A speeding ticket will typically stay on your driving record for 3 years.

How long does an at-fault accident stay on your driving record?

An at-fault accident will typically stay on your driving record for 6 years.

How long does a DUI stay on your driving record?

A DUI will typically stay on your driving record for 10 years.

How much will my rates go up if I have a speeding ticket?

Rates usually increase by about 20% to 30%.

How much will my rates go up if I have an at-fault accident?

Rates usually increase by about 40% to 50%.

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How much will my rates go up if I have a DUI?

Rates usually increase by about 80%.

How long will a speeding ticket stay on my driving record?

A speeding ticket will typically stay on your driving record for 3 years.

How long will an at-fault accident stay on my driving record?

Answer: An at-fault accident will typically stay on your driving record for 6 years.

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