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How many years of driving history do insurance companies check?

I was just curious how many years of driving history insurance companies check when looking at new clients.

Feb 20, 2018 Middletown, Connecticut

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Ava Lynch

Director of SEO

Credentials
  • Licensed Insurance Agent (former) — Property and Casualty

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior analyst, providing insights and data analysis as one…

While it can vary by carrier, most car insurance companies will charge (i.e. increase your premium) for any ticket or violation within the past 3 years. You typically won't be charged for anything that happened beyond 3 years ago, however insurance companies will still pull 5 years of driving history from your Motor Vehicle Report.

Be aware, in regards to your claims, your CLUE report will show up to seven years of your history, which can severely impact your car insurance rates as well.

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