UPDATED: Nov 18, 2021
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What You Should Know
- There are no auto insurance companies that don’t check driving records
- Affordable auto insurance companies that do check driving records include GEICO and Progressive
- Your driving record always impacts your auto insurance rates
There are no auto insurance companies that don’t check driving records. Your driving history directly correlates to how risky you are to insure.
Typically, safe drivers earn cheaper rates than average, while higher-risk drivers pay 25% to 125% more for auto insurance.
GEICO and Progressive offer some of the best insurance for bad driving record customers, despite being auto insurance companies that do check driving records.
Keep reading to learn why your driving record impacts your auto insurance rates, and discover how to compare auto insurance quotes from companies that do check driving records.
There may not be an auto insurance company that doesn’t check driving records, but you can compare affordable rates from the top companies near you by entering your ZIP code into our free quote tool above.
Are there auto insurance companies that don’t check driving records?
There are no affordable auto insurance companies that don’t check driving records. During the underwriting process, your driving record is an essential part of calculating your risk level.
When you submit a policy application, most auto insurance companies check the last three to five years of your driving record.
But it’s common to receive quotes from auto insurance companies that only look back three years.
Minor citations like at-fault accidents or speeding fall off your record after three to five years. Severe citations, like a DUI, remain on your record for 10 years.
Suppose you’re hoping to find auto insurance companies that only look back two years.
In that case, you may need to contact local agencies or call insurance companies directly to ask about the underwriting process.
Where do insurance companies get driving records? They run your motor vehicle report (MVR).
Insurance companies pull your MVR directly from your state or a third-party entity, like the Department of Motor vehicles (DMV). You can also access your MVR through your DMV.
How often do insurance companies check driving records? Whenever you apply for coverage as a new customer, the insurer runs your MVR.
Otherwise, companies may check your record every six to 12 months, usually during your renewal period.
Plus, your insurance company may check again if you make significant changes to your policy, like adding a new vehicle or driver.
So you can’t get auto insurance rates from companies that don’t check driving records.
But, fortunately, you can still find cheap auto insurance for drivers with rocky driving histories.
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What are the best auto insurance companies that do check driving records?
You can’t request auto insurance quotes from companies that don’t check driving records, but you can still earn cheap rates, even with a poor driving record.
In the table below, compare the average annual rates the leading auto insurance companies charge if there’s a single at-fault accident on your record.
The rates above reflect the auto insurance costs in the city of Albany, New York. But local and state laws and your ZIP code heavily influence your auto insurance costs.
Compare auto insurance rates from multiple companies that do check driving records to find the best coverage for you.
If you have at-fault accidents or citations on your record, you may be considered a high-risk driver to insurance companies.
Expect high-risk auto insurance costs to be higher than average.
Affordable Auto Insurance Companies for High-Risk Drivers
GEICO auto insurance company is our top recommended auto insurance company that does check driving records but still underwrites affordable rates even for higher-risk drivers.
GEICO is available in all states and sells affordable policies for new or younger drivers.
While your rates usually increase through GEICO after a traffic citation, the total cost is often cheaper than you’ll find with other companies.
Plus, GEICO offers accident forgiveness to customers.
Similarly, Progressive auto insurance company offers affordable auto insurance for high-risk drivers.
According to the Progressive website, the company even accepts DUI drivers and typically only increases rates after such a major citation by about 13% countrywide.
Another cheap company offering competitively priced rates to higher-risk individuals is USAA auto insurance company.
Only military personnel can use its services. But if you qualify, it’s worth adding USAA to your comparison shopping list.
Nationwide auto insurance company does not increase rates after your first minor at-fault accident or traffic citation in some locations.
So it’s worth seeking out a quote to see if Nationwide is competitively priced where you live.
Ultimately, you won’t find an auto insurance company that doesn’t check driving records, but some might not increase your rates as substantially as others.
So compare quotes online from multiple companies to secure cheap rates no matter what your driving record looks like.
How does your driving record impact your auto insurance rates?
Your driving record heavily influences your auto insurance costs and informs insurance companies about how risky or safe you are to insure.
According to the Centers for Disease Control and Prevention (CDC), 8% of all fatal motor vehicle accidents in 2018 involved distracted drivers.
Therefore, insurance companies check if you have any speeding tickets, at-fault accidents, DUIs, or other traffic-related incidents on your MVR.
In the table below, compare how different traffic citations impact the average annual auto insurance rates for drivers living in Albany, New York.
Expect your auto insurance rates to increase by 25% to 125% after a traffic citation.
Most citations fall off your record after three to five years. However, DUIs typically impact your rates for up to 10 years.
Auto Insurance Companies That Don’t Check Driving Records: The Bottom Line
Ultimately, you can only buy auto insurance from companies that do check driving records.
But even if you have a poor driving record, you can still typically secure affordable auto insurance from the leading companies.
To save money on auto insurance, compare quotes online from multiple companies.
Remember to ask about discounts you may qualify for. If at-fault accidents concern you, ask if the company offers accident forgiveness.
You can’t buy auto insurance from companies that don’t check driving records, but you can enter your ZIP code into our free comparison tool below to receive rates from reputable companies near you.