When it comes to determining how much you pay for car insurance, one of the most influential factors is your driving record. Insurance companies view your past behavior behind the wheel as a strong indicator of how risky you might be in the future. The better your record, the lower your premiums are likely to be—and vice versa.
But what exactly goes into your driving record? And how does it impact what you pay? Let’s break it down.
What Is a Driving Record?
Your driving record—also known as a Motor Vehicle Report (MVR)—is a detailed history of your activity as a licensed driver. It typically includes:
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Traffic violations (e.g., speeding, running red lights)
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At-fault accidents
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DUI or DWI convictions
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License suspensions or revocations
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Points on your license (in states that use a points system)
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How long you’ve been licensed
This report is maintained by your state’s Department of Motor Vehicles (DMV) and is accessible by insurance companies when they quote or renew your policy.
How Insurers Use Your Driving Record
Insurance companies use your driving record to assess risk. Their goal is to predict how likely you are to file a claim in the future. Here’s how certain types of activity on your record can impact your rate:
1. Speeding Tickets and Moving Violations
Even one speeding ticket can result in a noticeable rate increase. Multiple infractions can signal risky behavior, potentially raising your premiums by 20% or more.
2. At-Fault Accidents
If you’ve caused an accident, your insurance company may see you as a higher liability. The more recent and severe the accident, the bigger the impact on your rate. An at-fault accident can raise your premium by 30% to 50%, sometimes more.
3. DUI/DWI Convictions
Driving under the influence is one of the most serious offenses on a driving record. A DUI can double or even triple your insurance rate, and some companies may refuse to insure you altogether. This charge stays on your record for years—typically 3 to 10 years depending on your state.
4. License Suspensions
A suspended or revoked license indicates serious past issues such as too many violations, failure to appear in court, or driving without insurance. This can drastically affect your eligibility and rates.
5. Claims History
Even if an accident wasn’t your fault, a history of frequent claims may raise red flags for insurers. Some companies consider how many claims you’ve made over the past 3 to 5 years, regardless of fault.
How Long Do Infractions Affect Your Rate?
Most violations and at-fault accidents stay on your record for three to five years, though this varies by state and insurer. More severe offenses like DUIs can stay on your record longer and affect your rate for up to a decade.
That said, the impact of violations often diminishes over time—especially if you maintain a clean record going forward.
What Happens If You Have a Clean Record?
Drivers with clean records often qualify for safe driver discounts, which can lower premiums by 10% to 25%. A clean record also gives you more flexibility when shopping for coverage and may make you eligible for usage-based insurance programs that offer further savings.
Tips for Improving or Maintaining Your Driving Record
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Drive defensively: Avoid aggressive driving, speeding, and distractions.
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Take a defensive driving course: Some insurers offer discounts or may remove points from your record.
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Avoid unnecessary claims: If the damage is minor, paying out of pocket could save you money long-term.
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Review your MVR: Check with your DMV to ensure your record is accurate. Errors can cost you.
Your driving record plays a major role in determining your auto insurance premiums. The more responsible and safe your driving behavior, the more likely you are to enjoy lower rates and greater policy options.
If your record isn’t perfect, don’t worry—most infractions lose impact over time, and many insurers offer second-chance or high-risk policies to help you rebuild your standing.
Bottom line: Drive smart, stay informed, and keep your record clean to protect your wallet and your peace of mind.