How Long Does a Traffic Violation Stay on Your Insurance Record?

Do You Know the Maximum Amount of Time a Ticket Can Stay on Your Record?

Moving Violation
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Your car insurance record is not the same as your driver's license record. The state can view your driver's license points differently than your car insurance carrier. Most people know a traffic ticket means higher car insurance rates but do you know how long it will last?

What Affects the Length a Traffic Violation Stays on Your Record?

  • The Insurance Carrier: Violations are not handled the same with each insurance carrier. Some insurance carriers may only go back two years for minor violations, while others might go back three years from the incident. Most insurance carriers offer the good driver discount after no accidents or violations for five years.
  • The Type of Traffic Violation: The type of traffic violation you received can affect the amount of time your insurance carrier surcharges your policy. Careless driving and driving under the influence are a couple of the worst offenses. A lot of the time it can take up to five years for those to clear your record for preferred insurance carriers. Most insurance carriers can see your entire driving history, however, insurance carriers typically only surcharge for points occurring in the last five years.

Don't feel like calling and asking your car insurance agent? Try checking your declaration page for detailed information about traffic violations. Or, you could always call your insurance carrier's customer service number. It might feel a little more discrete when talking to someone at a call center versus your agent whom you might have a closer relationship.

Consider Violation Forgiveness

More and more insurance carriers are offering violation and accident forgiveness.

You pay extra for the coverage, however, it protects you against a rate increase in case of a minor traffic violation. Once your record is clear, look into getting violation forgiveness. It often runs only a couple of dollars a month depending on your record.

It is important to remember the violation will surely fall off eventually.

It is more important to maintain an active policy. Many drivers fall into the trap of thinking going without car insurance is the cheapest route. However, being caught driving without car insurance especially in an accident can be financial ruin for most drivers. And many do not realize the extremely expensive high-risk rates drivers with no prior car insurance pay. Keep your car insurance active, and your traffic violations will come off.

Help with High-Risk Insurance

 

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