Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
Your driving record can lower or increase your premiums, and some insurance companies can even drop you or refuse to insure you if they consider you to be too high of a risk. Keeping your driving record clean can help you benefit from lower premiums or even discounts for staying accident or violation free.
Keep in mind that the average insurance company will look back 3 years through your driving record when they renew your policy, meaning that your insurance rates will be higher than they need to be for up to 3 years.
Average increase in insurance premiums for:
- A Speeding Ticket: 26%
- An At-Fault Accident: 49%
- Reckless Driving: 91%
- A DUI: 105%
Keep in mind however that insurance companies will not look at a driving record the same way, so it’s important to always compare rates to find the best company for your needs.
Disclaimer: Average rate increases calculated using quadrant premium data for a 45-year old male driver.
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