Cheap Car Insurance Companies That Only Look Back 3 Years in 2024
Progressive and State Farm are two of the best car insurance companies that only look back three years. Even smaller car insurance companies look back three years. If you have a DUI or several driving violations, a car insurance company may look back as far as ten years. Shop around and compare multiple companies to secure the best deals.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Aug 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Aug 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Car insurance companies look back three years to determine risk
- Accidents and DUIs place you in a high-risk pool
- DUIs can drive up your car insurance rates by 72%
Are you searching for car insurance companies that only look back three years? The best car insurance companies look back up to five years.
But did you know some moving violations can last more than five years on your driving record? Don’t worry — we’re to help.
Our car insurance guide explores which insurance companies look back three years and how to compare car insurance for high-risk drivers.
After learning everything about car insurance companies that only look back three years, enter your ZIP code above to compare multiple insurance companies near you.
What are the best car insurance companies that only look back three years?
Progressive and State Farm car insurance look back two to three years at driving records and insurance records.
Most car insurance companies look back three years. Here’s a list of the best car insurance companies that look back three years or less.
- Allstate
- American Family
- Farmers
- Geico
- Liberty Mutual
- Nationwide
- Travelers
- USAA
What about car insurance companies that don’t look back three years? State statutes may limit car insurance companies that don’t look back three years.
Read more:
- Allstate vs. Nationwide Car Insurance
- Allstate vs. USAA Car Insurance
- American Family vs. Liberty Mutual Car Insurance
- American Family vs. State Farm Car Insurance
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Why do car insurance companies look back three years?
Traffic infractions can last more than three years on your driving record. For example, some states keep speeding violations on your driving history for more than five years.
Let’s look at the laws of each state to see how long speeding infractions last on your driving record. Use the search box to find your state quickly.
Duration of Speeding Violations on Your Driving Record
| States | Years on Driving Record |
|---|---|
| Alabama | 2 years for points to be removed for suspension, but the incident is permanent on your record |
| Alaska | 1 year |
| Arizona | 1 year |
| Arkansas | 3 years |
| California | 3 years and 3 months (39 months) |
| Colorado | Can reduce points, but the incident is permanent on record |
| Connecticut | 3 years |
| Delaware | 2 years |
| District of Columbia | 2 years |
| Florida | 5 years |
| Georgia | 2 years |
| Hawaii | 10 years |
| Idaho | 3 years |
| Illinois | Up to 5 years |
| Indiana | 2 years |
| Iowa | 5 years |
| Kansas | 3 years |
| Kentucky | 5 years, but points removed after 2 years |
| Louisiana | 3 years |
| Maine | 1 year |
| Maryland | 3 years |
| Massachusetts | 6 years |
| Michigan | 7 years |
| Minnesota | 5 to 10 years |
| Mississippi | 1 year |
| Missouri | 3 years |
| Montana | Points removed after 3 years, but conviction is permanent on record |
| Nebraska | 5 years |
| Nevada | Points removed after 1 year, but conviction is permanent on record |
| New Hampshire | 3 years |
| New Jersey | 5 years |
| New Mexico | 1 year |
| New York | 1.5 years |
| North Carolina | 3 years |
| North Dakota | 3 years |
| Ohio | 2 years toward suspension, but incident is permanent on record |
| Oklahoma | Up to 3 years |
| Oregon | 2 years |
| Pennsylvania | 1 year |
| Rhode Island | 3 years |
| South Carolina | 2 years |
| Tennessee | 2 years |
| Texas | 3 years |
| Utah | 3 years |
| Vermont | 2 years |
| Virginia | 5 years |
| Washington | 5 years |
| West Virginia | 5 years, but points removed after 2 years |
| Wisconsin | 5 years |
| Wyoming | 1 year |
In some states, car insurance companies look back more than three years. States like Maine, Mississippi, New Mexico, and Pennsylvania hold on to speeding violations for one year.
However, insurance companies want to check for serious driving violations, such as at-fault accidents and DUI convictions. Therefore, most companies may look back five years or more.
Read more:
- Arkansas
- Delaware
- Iowa
- Kansas
- Maine
- Minnesota
- Mississippi
- Nebraska
- Nevada
- North Dakota
- Oklahoma
- South Carolina
- Tennessee Car Insurance
- Texas
- Utah
- West Virginia
How long do car accidents and DUIs stay on your driving record?
Accidents can last up to three years on your driving record, but DUIs and DWIs can remain on your driving record for up to ten years.
Therefore, the best insurance companies look back further than three years if you have accidents and DUI convictions on your driving history.
Is my driving history different from my car insurance history?
The short answer is yes. But your insurance record is just as important as your driving history.
According to the Consumer Financial Protection Bureau, the Comprehensive Loss Underwriting Exchange (CLUE) catalogs your insurance history in its database.
State governments hold your driving record.
You can request a CLUE report for free once per year. CLUE reports list your insurance company history, the claims you’ve made, and the number of accidents you’ve had.
How do car insurance companies use my driving history?
Your driving record correlates to risk. For example, a clean driving record shows that you’re less likely to file an insurance claim.
Any traffic violations on your driving record correlate to higher chances of filing a car insurance claim.
Most driving infractions have an impact on car insurance rates. For example, DUIs drive up your insurance rates by 72%.
Let’s examine how DUIs affect car insurance for each state:
Comparing Monthly Car Insurance Rates for Clean Driving Records vs. DUI Convictions
| States | Monthly Car Insurance Rates with a Clean Driving Record | Monthly Car Insurance Rates with a DUI Conviction | Percent Increase |
|---|---|---|---|
| Alabama | $156 | $275 | 76% |
| Alaska | $131 | $194 | 48% |
| Arizona | $256 | $370 | 44% |
| Arkansas | $172 | $280 | 63% |
| California | $151 | $429 | 184% |
| Colorado | $260 | $376 | 45% |
| Connecticut | $229 | $463 | 102% |
| Delaware | $240 | $369 | 54% |
| Florida | $269 | $341 | 27% |
| Georgia | $199 | $323 | 62% |
| Hawaii | $147 | $471 | 221% |
| Idaho | $142 | $236 | 66% |
| Illinois | $185 | $282 | 53% |
| Indiana | $124 | $212 | 72% |
| Iowa | $138 | $222 | 61% |
| Kansas | $170 | $248 | 46% |
| Kentucky | $242 | $406 | 68% |
| Louisiana | $296 | $432 | 46% |
| Maine | $107 | $181 | 69% |
| Maryland | $199 | $267 | 34% |
| Massachusetts | $180 | $305 | 70% |
| Michigan | $756 | $2,260 | 199% |
| Minnesota | $176 | $312 | 78% |
| Mississippi | $181 | $314 | 74% |
| Missouri | $211 | $301 | 43% |
| Montana | $191 | $296 | 55% |
| National Average | $198 | $350 | 72% |
| Nebraska | $187 | $247 | 32% |
| Nevada | $255 | $408 | 60% |
| New Hampshire | $168 | $307 | 83% |
| New Jersey | $234 | $374 | 60% |
| New Mexico | $170 | $264 | 56% |
| New York | $231 | $328 | 42% |
| North Carolina | $126 | $502 | 300% |
| North Dakota | $191 | $287 | 51% |
| Ohio | $130 | $200 | 54% |
| Oklahoma | $205 | $283 | 38% |
| Oregon | $194 | $302 | 56% |
| Pennsylvania | $150 | $202 | 35% |
| Rhode Island | $299 | $629 | 110% |
| South Carolina | $173 | $272 | 57% |
| South Dakota | $202 | $311 | 54% |
| Tennessee | $156 | $252 | 61% |
| Texas | $221 | $380 | 72% |
| Utah | $200 | $306 | 53% |
| Vermont | $145 | $223 | 55% |
| Virginia | $137 | $211 | 54% |
| Washington | $146 | $241 | 65% |
| West Virginia | $176 | $316 | 80% |
| Wisconsin | $130 | $206 | 59% |
| Wyoming | $177 | $289 | 64% |
Each state handles DUI differently, but car insurance companies across the United States increase car insurance rates if you have a DUI on your driving record.
Expect your insurance rates to look similar when you have multiple speeding tickets, reckless driving violations, and accidents. Drivers with too many infractions are considered high-risk.
Read More:
What makes a driver a high risk to car insurance companies?
Too many driving violations or accidents place you in a high-risk pool. Some states require you to get an SR-22 (SR-50 in Indiana) when you are listed as a high-risk driver.
Florida and Virginia both have FR-44 for high-risk drivers who have been convicted of a DUI.
Your high-risk driving status can last up to three years under SR-22. If you’re still considered a high-risk driver after that, you’ll have to reapply for SR-22 certification.
Drivers who don’t get SR-22 certified could lose their car insurance coverage, and the insurance company can report your uninsured status to the state DMV.
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Car Insurance Companies That Only Look Back Three Years: The Bottom Line
Progressive and State Farm are two of the best car insurance companies that only look back three years. But that could change depending on the state where you live.
Car insurance with a three-year accident history is more expensive than average, and it could take longer to receive more affordable rates.
Now that you know more about car insurance companies that only look back three years, use our free online quote tool to compare multiple insurance companies near you.
Frequently Asked Questions: Car Insurance Companies That Only Look Back Three Years
Do you want to know more about car insurance companies that only look back three years? Then, read these answers to learn more.
#1 – Do car insurance companies report to the DMV?
Yes, car insurance companies may alert your state DMV when you’re uninsured.
#2 – How long does high-risk car insurance last?
On average, high-risk car insurance lasts for three years. DUIs extend your high-risk status for at least ten years.
#3 – How far back do car insurance companies look at your driving record?
The average look-back period is three years. However, look-back periods vary by state and company.
#4 – Why do traffic violations affect car insurance rates?
Traffic infractions and moving violations correlate to a high risk of filing claims. Too many violations increase your car insurance rates.
#5 – How can I get a copy of my car insurance history?
Contact the Comprehensive Loss Underwriting Exchange (CLUE) and ask for a free CLUE report. You can receive one free insurance report per year.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.