Q&A Topics

Thursday, March 27, 2014 3:01:32 PM

How long do accidents and moving violations stay on your driving record? And do they affect your auto insurance rates?

The length of time an offense remains on your record depends on the severity of the violation and the state in which you live. Violations can stay on your record anywhere from 3 to 10 years.

Your car insurance rates don’t always go up as a result of minor accidents, particularly if you have a clean driving record. However, rates typically increase after a major at-fault accident or moving violation. In many states, your surcharge is reduced gradually over a 3-year period as long as you don’t have another incident.

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Laura Adams is a personal finance expert, award-winning author, and consumer advocate. As Senior Insurance Analyst, she represents insuranceQuotes in the media and works to make sure consumers protect their financial futures by having the right kinds of insurance.

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