McKayla Girardin, Car Insurance Writer
@mckayla_girardin
An accident stays on your AAA insurance record for 5 years. Specifically, AAA will keep track of an accident for 5 years, though it could stay on your actual state driving record for longer depending on the details of the incident. For example, if you caused an accident while under the influence, it may stay on your record indefinitely even if it only affects your rates for a few years.
Key Things to Know About Accidents and Your AAA Insurance Record
- AAA keeps track of your accident for 5 years, but it may not affect you for that long.
- AAA may keep track of your accident for 5 years, but it may not be used to determine your premiums the entire time. An accident may also make you ineligible for certain discounts for a number of years, like AAA good driver discount.
- How long an accident stays on your driving record is determined by your state. Accidents typically stay on state driving records for 3 to 5 years, but more serious incidents may stay on your record for longer, even if they won’t affect your insurance rates.
- Since your driving record is ultimately controlled by the state, an accident can still affect your rates even if you switch to another company – for three to five years from when the accident occurred.
- Your AAA premium can go up by an average of 24% after an at-fault accident, and you may see a rate increase after a not-at-fault accident, too. However, some customers may qualify for AAA accident forgiveness.
To learn more, check out WalletHub’s full review of AAA and our guide to how accidents affect insurance rates.
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