How far back do auto insurance companies look?

How far back an auto insurance company looks at your driving record ranges from 3-5 years. Car insurance companies look back at claims, accidents, and tickets to determine your risk level and calculate rates. GEICO looks back 3 years, and rates average $179.mo. for a clean record and $406/mo. for one DUI. A driving record goes back much further with the DMV, and the look-back period for a DUI may be as long as ten years when it comes to a second offense. Most auto insurance companies look back 3 years, and you will qualify for better rates after that time period if you keep a clean record.

UPDATED: Jul 10, 2024Fact Checked

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Brandon Frady

Licensed Insurance Agent

Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...

Licensed Insurance Agent

Kalyn Johnson

Insurance Claims Support & Sr. Adjuster

Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...

Insurance Claims Support & Sr. Adjuster

UPDATED: Jul 10, 2024

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UPDATED: Jul 10, 2024

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.

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