Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
State Farm generally checks your driving record every 6 to 12 months, when you apply for a new policy or renew an existing one. Most car insurance companies tend to check less frequently if you have been their customer for a while, however, as they already have a sense of your driving habits.
Key Things to Know About State Farm Driving Record Checks
- For new customers, State Farm will check your driving history to determine your insurance rates and how risky of a driver you are to insure. A recent at-fault accident or serious traffic violation could significantly raise your rates.
- Once you are an existing customer, State Farm will run a check on your driving record at least a few weeks before your policy is set to expire. This allows State Farm to reassess your riskiness and determine your premium.
- State Farm gets your driving record from your state's DMV or LexisNexis, and they check the past 3 years for accidents and moving violations.
- If you were cited for a moving violation or got into an accident mid-policy, your rates will not change until your next renewal.
- If your driving record has any new violations since State Farm last checked, your rates will likely increase. For example, State Farm insurance premiums will increase by an average of 56% after an accident and by 50% after a speeding ticket.
If your State Farm insurance rates recently increased because of an accident or a moving violation on your driving record, you can look for discounts from State Farm to help lower your rates, consider increasing your deductible, or potentially trade in your car for one that is cheaper to insure. You should also compare quotes from other companies to see if you could get cheaper rates by switching insurers.
To learn more, check out WalletHub's guide to understanding your driving record.
People also ask
Does State Farm have accident forgiveness?
No, State Farm does not have accident forgiveness. As a result, State Farm car insurance customers should expect their rates to go up by around 56% after an at-fault accident, even if it's their first one. If you are looking for a policy with accident forgiveness, it can be purchased from most major car insurance companies.
Best Car Insurance Companies for Accident Forgiveness
... read full answer by Candace Baker, Car Insurance WriterHow much does insurance go up after an accident with State Farm?
State Farm insurance rates go up by an average of 59% after an accident. Even though an accident will cause State Farm to raise your car insurance premium when you renew your policy, the added cost will only be temporary. An accident will usually affect your State Farm premium for just 3-5 years.
The exact amount that State Farm premiums go up after an accident depends on a few factors, including who was at fault,...
read full answer by WalletHub, Financial CompanyWhere do insurance companies get driving records?
Insurance companies get driving records directly from state DMVs or LexisNexis. When buying auto insurance, you agree to let car insurance companies check your official driving record for past moving violations and your CLUE report for past auto insurance claims.
Records That Insurance Companies Check
Driving Record
Your driving record, also known as your Motor Vehicle Record (MVR), generally contains information about your driver’s license, moving violations, DUI convictions, and completed defensive driving courses....
read full answer by Delaney Simchuk, Car Insurance WriterDid we answer your question?
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