Auto Insurance Companies That Don’t Run 10-Year Background Checks (2021)

Auto insurance companies that don't run 10-year background checks are sure that you don't have significant driving violations. But car insurance companies that do run 10-year background checks may have located driving infractions that affect your overall risk. You can save 30% or more when you qualify for multiple discounts. Shop around and compare various insurance companies near you to secure the best rates.

Compare Quotes Now

 Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Sep 28, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • Auto insurance companies look back up to 10 years if you have accidents involving severe bodily injury or multiple DUIs
  • Accidents can increase your auto insurance rates by 32%
  • The Comprehensive Loss Underwriting Exchange maintains a record of your insurance history

Are you looking for car insurance companies that don’t run 10-year background checks? There’s a limit to how far back auto insurance companies can look at your driving record.

Your driving record won’t affect your eligibility for auto insurance coverages, but the cost of auto insurance is impacted.

Don’t worry – we’ll show you how to secure affordable auto insurance after 10-year background checks from the best companies.

If you’re curious about other auto insurance companies that don’t run 10-year background checks in your area, enter your ZIP code to compare multiple insurance companies near you.

What are the best auto insurance companies that don’t run 10-year background checks?

The top car insurance companies run background checks, but most don’t go back 10 years.

On average, auto insurance companies look back at driving records from the past three years.

So which companies are likely not to run a 10-year background check? Here’s a list of the best companies that may not look back 10 years.

  • Allstate
  • American Family
  • Farmers
  • GEICO
  • Liberty Mutual
  • Nationwide
  • Progressive
  • State Farm
  • Travelers
  • USAA

Most drivers won’t have significant driving violations, so a car insurance company won’t check back for 10 years if they can’t find any violations in three years.

However, insurance companies look back even further when a customer has several traffic violations in a short time.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Are there any auto insurance companies that do run 10-year background checks?

Even the best car insurance companies look back 10 years if you have multiple driving infractions within a short period.

For example, if you had a speeding ticket every year for the past four years, the auto insurance company may look back further to see how many violations you have.

Also, they’ll check for other types of infractions, such as DUI and reckless driving.

Insurance companies may deny your policy request outright if you have too many DUI convictions, driving-related felonies, or too many speeding tickets.

Do smaller auto insurance companies run 10-year background checks?

The short answer is yes. Car insurance companies in the smaller market are known for nonstandard and high-risk car insurance.

However, high-risk auto insurance companies check your driving history like more prominent companies.

If you can’t get a policy with the top auto insurance companies, check out the list below to see a list of companies that provide high-risk insurance.

  • The General
  • Dairyland
  • Esurance
  • Direct Auto
  • Good2Go Auto Insurance
  • Acceptance Insurance
  • SafeAuto

If you’re a high-risk driver, these companies may approve your request if you’re denied a car insurance policy at bigger companies.

But what driving record information cannot be seen by insurance companies? Read on to see the limits for each state.

What is the auto insurance look-back period for each state?

Speeding tickets and other moving violations remain on your driving history for three years. However, DUI convictions can last a little longer. It all depends on the state.

The Comprehensive Loss Underwriting Exchange (C.L.U.E.) holds on to your insurance history for up to eight years.

Let’s look at a thorough list that shows how long driving violations remain on your driving record for each state.

Look-Back Period for Background Checks by State
StatesYears on Driving Record
Alabama2 years for points to be removed for suspension, but the incident is permanent on your record
Alaska1 year
Arizona1 year
Arkansas3 years
California3 years and 3 months (39 months)
ColoradoCan reduce points, but the incident is permanent on record
Connecticut3 years
Delaware2 years
District of Columbia2 years
Florida5 years
Georgia2 years
Hawaii10 years
Idaho3 years
IllinoisUp to 5 years
Indiana2 years
Iowa5 years
Kansas3 years
Kentucky5 years, but points removed after 2 years
Louisiana3 years
Maine1 year
Maryland3 years
Massachusetts6 years
Michigan7 years
Minnesota5 to 10 years
Mississippi1 year
Missouri3 years
MontanaPoints removed after 3 years, but conviction is permanent on record
Nebraska5 years
NevadaPoints removed after 1 year, but conviction is permanent on record
New Hampshire3 years
New Jersey5 years
New Mexico1 year
New York1.5 years
North Carolina3 years
North Dakota3 years
Ohio2 years toward suspension, but incident is permanent on record
OklahomaUp to 3 years
Oregon2 years
Pennsylvania1 year
Rhode Island3 years
South Carolina2 years
Tennessee2 years
Texas3 years
Utah3 years
Vermont2 years
Virginia5 years
Washington5 years
West Virginia5 years, but points removed after 2 years
Wisconsin5 years
Wyoming1 year
Get Your Rates Quote Now

Compare RatesStart Now →

Auto insurance law varies by state. Some states have a look-back period of three years or less, but insurance companies look at several other personal characteristics.

What factors affect auto insurance rates?

A bad driving record isn’t the only thing that makes you a high-risk driver. Drivers pay more for car insurance because they have an increased risk of filing claims.

Auto insurance companies usually issue more expensive rates when a driver has a higher risk of filing claims. What do car insurance companies check?

Here’s a list of driving factors that can make you a high-risk driver:

  • Poor driving record
  • Multiple at-fault accidents
  • More than one DUI conviction
  • Too many speeding violations
  • Vehicle use
  • Multiple reckless driving violations

And a list of non-driving factors:

  • Bad credit
  • A gap in car insurance coverage
  • No insurance history
  • No credit history
  • Vehicle type (Sedans generate higher rates)
  • Location (rates are higher in suburban and urban areas)
  • Age (Between ages 16 and 24 years old)

Car insurance rates are expensive when more than one of these factors is applied to your policy, but there’s a way to secure cheaper rates.

For an in-depth look at how the look-back period affects auto insurance rates, check out our article on how far back auto insurance companies look for more details.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

How do I get auto insurance discounts after a 10-year background check?

You won’t be disqualified from getting discounts unless you have a driving felony on your record.

Most drivers don’t have felonies related to driving, so it won’t affect your eligibility for discounts.

If you have a couple of speeding tickets or a few accidents from the last 10 years, you can still get a discount for good credit.

Excellent credit history can reduce your car insurance by at least 30%. Combine your credit-based deals with your vehicle’s safety features and save about 10% more.

Auto Insurance Companies That Don’t Run 10-Year Background Checks: The Bottom Line

A 10-year background check is only necessary when a driver has significant driving violations.

Those infractions include multiple DUIs, reckless driving violations, and convictions due to bodily injury by a motor vehicle.

Auto insurance companies are less likely to look back 10 years if you have one driving violation or accident.

Now that you know more about auto insurance companies that don’t run 10-year background checks, use our free comparison tool below to compare multiple companies near you.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption