Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 30, 2021

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Key Takeaways

  • Some of the best car insurance companies look back two years at your driving record
  • Insurance companies may look back as far as ten years for DUIs
  • Car insurance companies only submit SR-22, SR-50, and FR-44 certifications to DMVs

Auto insurance companies that only look back three years are trying to determine if you’re a high-risk driver. But what makes a person a higher risk to insure?

Don’t worry – we’ll explain everything you need to know about how far car insurance companies look back and what makes a driver a high risk. We’ll also tell you how to find your auto insurance history and gauge your risk before you buy car insurance coverage.

When you learn about car insurance companies that only look back three years, enter your ZIP code in the free online quote tool above to compare multiple companies near you.

What are the best car insurance companies that only look back three years?

The top car insurance companies look back two or three years at your driving record. If you have any infractions, your car insurance quotes will produce higher rates.

Let’s see how different driving violations affect auto insurance rates per month:

Average Monthly Car Insurance Rates by Company and Driving Record
CompaniesMonthly Rates with a Clean Driving RecordMonthly Rates w/ One Speeding ViolationMonthly Rates w/ One AccidentMonthly Rates w/ One DUI Conviction
Allstate$318$374$416$522
American Family$224$252$310$361
Farmers$288$340$377$393
GEICO$179$220$266$406
Liberty Mutual$398$475$517$634
Nationwide$229$259$283$379
Progressive$283$334$398$331
State Farm$235$266$283$303
Travelers$287$355$357$478
USAA$161$183$210$292

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USAA car insurance is one of the cheapest in the nation. However, USAA is only available to veterans and their immediate families.

Meanwhile, GEICO, State Farm, American Family, and Nationwide are companies offering the most affordable rates, even for drivers with accidents and DUIs.

What are the best car insurance companies that don’t look back three years?

Most auto insurance companies, regardless of market share, look back at least two years. For example, State Farm and Progressive are two large companies that look back at least two years.

It’s not likely that you’ll find a car insurance company that doesn’t look back at your driving history.

Can I get a car insurance discount for having a clean driving record?

The answer is yes. A clean driving record can help you save up to 40% on auto insurance.

For example, let’s say your monthly car insurance rates are $250. When you have no violations on your driving history, you could save 40% through a safe driver discount (also called defensive driver discount).

Instead of paying $250 per month, the defensive driver deal can lower your rates to $150 a month.

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Do car insurance companies report accidents and moving violations to the DMV?

The short answer is no. The only time an insurance company reports to the DMV is when a driver has to get an SR-22, SR-50, or FR-44 certification.

Although auto insurance companies drive up rates for accidents and other moving violations, they do not report bad driving records to your local DMV.

Whenever you get into an accident, get convicted of DUI, or receive a speeding ticket, law enforcement reports your infraction to your state.

Why do traffic infractions affect car insurance?

Your driving record shows the auto insurance company your driving habits. A clean driving record proves that you are a safe driver overall.

Several traffic violations indicate that the driver doesn’t practice safe driving habits.

Ultimately, a motorist with a bad driving record has an increased risk of filing claims, which raises auto insurance rates.

How do I get a copy of my car insurance history?

The ChoicePoint Asset Company holds your auto insurance history. Anyone who’s had insurance (home and auto) can find their insurance report through a Comprehensive Loss Underwriting Exchange (C.L.U.E.).

Contact the ChoicePoint Asset Company at 1-800-456-6004 to get a C.L.U.E. report.

According to the Consumer Financial Protection Bureau (CFPB), you can get a C.L.U.E. report every 12 months. When you check your C.L.U.E details, it freezes your consumer report.

Also, C.L.U.E. won’t affect your credit scores. And some companies will provide a C.L.U.E. report for free each year.

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How to Find Affordable Car Insurance Companies that Only Look Back Three Years

Car insurance companies want to estimate your risk of filing claims by checking your driving history. Auto insurance companies will likely look back at your driving record for up to three years.

A car insurance company may look back five years or more if you have a driving record with multiple accidents and DUI convictions.

Now that you know more about car insurance companies that only look back three years, use our free comparison tool to compare auto insurance quotes from multiple companies in your area.

Frequently Asked Questions about Car Insurance Companies that Only Look Back Three Years

Do you want to know more about the look-back period? Read these answers to frequently asked questions.

#1 – How often does State Farm check driving records?

State Farm is one of the few companies that look back at least two years.

#2 – How much is car insurance for a three-year accident history?

Full coverage auto insurance with one accident on your record is $342 a month on average. Meanwhile, liability-only car insurance with one accident is about $174 per month on average.

#3 – How long does an accident stay on your driving record?

Accidents can stay on your driving record for three to five years.

#4 – How long am I considered a high-risk driver?

Your high-risk status can last for at least three years. The three-year period is also the duration of SR-22 certification.