Car Insurance Rate by Driving Record

Yes, an insurer will closely evaluate your driving record to identify and estimate how frequently you may make claims in the future. With a clean driving record, you easily qualify for acquiring any coverage of your choice, often at a cheaper premium. However, with a poor driving record involving accidents and traffic violations, many insurers may refuse to sell their policy, while others may charge you more as a high-risk driver.

People have a choice to either drive safely and maintain a clean driving record or get into accidents and face legal penalties, leading to a bad driving record. Every action has a consequence, and the aftermath of a poor driving record is higher car insurance premiums. However, some insurance companies, like USA Auto, have a special non-standard car insurance policy that offers a fair rate that’s relatively cheaper and more affordable.

Even though your driving record is among the most significant factors that affect car insurance premiums, other factors have a crucial role in determining your car insurance rate. This includes areas with a high number of accidents, thefts, and natural disasters. Apart from location, other factors include age, claims history, and, most importantly, the type of vehicle you drive, along with its make and model.

Yes, many insurance companies refuse to sell insurance coverage to drivers with a poor driving record, especially with frequent accidents and traffic violations. Insurance companies that have non-standard coverage options mainly offer car insurance to high-risk drivers. 

Insurance companies check driving records by year, especially when your policy is about to expire or when it's time for renewal.

Most driving violations can affect your car insurance rates for 3 to 5 years. The exact impact depends on factors such as the severity of the violation, legal penalties, past insurance claims, and frequency of accidents.

Traffic violations such as speeding tickets, reckless driving, running red lights, driving under the influence (DUI), or at-fault accidents can all raise your car insurance rates. The more severe or frequent the violation, the higher the potential increase in your premiums.

SR-22 and FR-44 are certificates of financial responsibility required for high-risk drivers, often after a DUI, license suspension, or serious traffic violations. SR-22 is available in most states, while FR-44 is exclusive to Florida and Virginia. These certificates prove you carry the minimum required auto insurance.