Best Car Insurance Companies That Only Look Back Two Years (2021)

Progressive and State Farm are the most prominent car insurance companies that only look back two years. You may find smaller auto insurance companies that look back two years, but most insurance companies look back three years. If you have a DUI or several driving violations, a car insurance company may look back further. Shop around and compare multiple companies to secure the best deals.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Dec 14, 2021

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The Highlights

  • Car insurance companies look back at your driving history to assess your risk
  • DUIs and accidents have a significant impact on your driving and insurance history
  • On average, you can pay up to 72% more for car insurance if you have a DUI
  • A car insurance company can report your uninsured status to your local DMV

Are you searching for auto insurance companies that only look back two years? The best car insurance companies have five-year look-back periods if you have serious traffic violations on your record.

But what about drivers who have committed minor traffic infractions? Don’t worry — we’re to help.

Our guide explores which insurance companies look back two years and how to compare car insurance for high-risk drivers.

After learning everything about car insurance companies that only look back two years, enter your ZIP code above to compare multiple insurance companies near you.

Which car insurance companies look back two years?

Progressive and State Farm car insurance are known to look back two years on your driving record.

But most auto insurance companies look back three years. Some insurance companies may waive the look-back period if you have a clean driving record.

What about car insurance companies that don’t look back two years? 

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Why wouldn’t car insurance companies look back two years?

Some traffic violations remain on your driving record for more than three years. It all depends on your state laws.

Review the list below to see how speeding violations affect look-back periods for each state. Use the search box to find your current home state quickly.

Duration of Speeding Violations on Your Driving Record
StatesYears on Driving Record
Alabama2 years for points to be removed for suspension, but the incident is permanent on your record
Alaska1 year
Arizona1 year
Arkansas3 years
California3 years and 3 months (39 months)
ColoradoCan reduce points, but the incident is permanent on record
Connecticut3 years
Washington, D.C.2 years
Delaware2 years
Florida5 years
Georgia2 years
Hawaii10 years
Idaho3 years
IllinoisUp to 5 years
Indiana2 years
Iowa5 years
Kansas3 years
Kentucky5 years, but points removed after 2 years
Louisiana3 years
Maine1 year
Maryland3 years
Massachusetts6 years
Michigan7 years
Minnesota5 to 10 years
Mississippi1 year
Missouri3 years
MontanaPoints removed after 3 years, but conviction is permanent on record
Nebraska5 years
NevadaPoints removed after 1 year, but conviction is permanent on record
New Hampshire3 years
New Jersey5 years
New Mexico1 year
New York1.5 years
North Carolina3 years
North Dakota3 years
Ohio2 years toward suspension, but incident is permanent on record
OklahomaUp to 3 years
Oregon2 years
Pennsylvania1 year
Rhode Island3 years
South Carolina2 years
Tennessee2 years
Texas3 years
Utah3 years
Vermont2 years
Virginia5 years
Washington5 years
West Virginia5 years, but points removed after 2 years
Wisconsin5 years
Wyoming1 year
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In some states, auto insurance companies look back more than two years. That’s because speeding violations could stay on your record for more than two years.

Also, insurance companies want to check for serious driving violations, such as at-fault accidents and DUI convictions.

How long do car accidents and DUIs stay on your driving record?

Accidents can stay up to three years on your driving record, but DUIs can remain on your driving record for 10 years.

Therefore, the best insurance companies look back further than two years as a precaution.

Is my driving history different from my car insurance history?

The answer is yes. Your insurance history is just as important as your driving record.

According to the Consumer Financial Protection Bureau, the Comprehensive Loss Underwriting Exchange (CLUE) holds your insurance record.

You can request a CLUE report for free once per year. In the report, you’ll see your insurance company history, the claims you’ve made, and the number of accidents you’ve had.

How do car insurance companies use my driving history?

Your overall driving history correlates to risk. A clean driving record shows that you’re less likely to file an auto insurance claim.

However, driving infractions on your driving record correlate to higher chances of filing a claim.

Driving violations ultimately affect auto insurance rates. For example, DUIs drive up your insurance rates by 72%.

Let’s look at how DUIs affect car insurance for each state. Type your state name in the box to do a quick search.

Comparing Monthly Car Insurance Rates for Clean Driving Records vs. DUI Convictions
StatesMonthly Car Insurance Rates with a Clean Driving RecordMonthly Car Insurance Rates with a DUI ConvictionPercent Increase
Alabama$156$27576%
Alaska$131$19448%
Arizona$256$37044%
Arkansas$172$28063%
California$151$429184%
Colorado$260$37645%
Connecticut$229$463102%
Delaware$240$36954%
Florida$269$34127%
Georgia$199$32362%
Hawaii$147$471221%
Idaho$142$23666%
Illinois$185$28253%
Indiana$124$21272%
Iowa$138$22261%
Kansas$170$24846%
Kentucky$242$40668%
Louisiana$296$43246%
Maine$107$18169%
Maryland$199$26734%
Massachusetts$180$30570%
Michigan$756$2,260199%
Minnesota$176$31278%
Mississippi$181$31474%
Missouri$211$30143%
Montana$191$29655%
National Average$198$35072%
Nebraska$187$24732%
Nevada$255$40860%
New Hampshire$168$30783%
New Jersey$234$37460%
New Mexico$170$26456%
New York$231$32842%
North Carolina$126$502300%
North Dakota$191$28751%
Ohio$130$20054%
Oklahoma$205$28338%
Oregon$194$30256%
Pennsylvania$150$20235%
Rhode Island$299$629110%
South Carolina$173$27257%
South Dakota$202$31154%
Tennessee$156$25261%
Texas$221$38072%
Utah$200$30653%
Vermont$145$22355%
Virginia$137$21154%
Washington$146$24165%
West Virginia$176$31680%
Wisconsin$130$20659%
Wyoming$177$28964%
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DUIs are handled differently in each state, but all states show an increase in auto insurance if you have a DUI on your driving record.

Expect your insurance rates to look similar when you have multiple speeding tickets, moving violations, and accidents.

Drivers with too many infractions are considered high risk. 

What makes a driver a high risk to car insurance companies?

When you have too many driving violations or accidents, you’re placed into a high-risk pool.

Some states require you to get an SR-22 certification (FR-44 in Florida and Virginia, SR-50 in Indiana) when you are designated a high-risk driver.

Your high-risk driving status can last up to three years. But if you’re still considered a high-risk driver after that, you’ll have to reapply for SR-22 car insurance.

If you don’t get certified, you could lose your auto insurance coverage, and the insurance company can report your uninsured status to the state’s DMV.

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Car Insurance Companies That Only Look Back Two Years: What’s the bottom line?

Progressive and State Farm are two of the best auto insurance companies that only look back two years. But that could change depending on the state you live in.

If you have a few moving violations on your driving record, car insurance companies may look back further to determine your risk accurately.

Now that you know more about car insurance companies that only look back two years, use our free online quote tool to compare multiple insurance companies near you.

Frequently Asked Questions: Car Insurance Companies That Only Look Back Two Years

Do you want to know more about auto insurance companies that only look back two years? Read these answers to frequently asked questions to find out more.

#1 – How far back do car insurance companies look at your driving record?

It varies by state and company, but the average look-back period is three years.

#2 – Do car insurance companies report to the DMV?

It depends. Auto insurance companies do alert your local DMV when you’re uninsured. This usually occurs after your registered vehicle is no longer insured.

#3 – How long does high-risk car insurance last?

On average, high-risk auto insurance lasts for three years.

#4 – Why do moving violations affect car insurance rates?

Moving violations correlate to an elevated risk of filing claims. Too many moving infractions will increase your auto insurance rates.

#5 – How can I get a copy of my car insurance history?

Contact the Comprehensive Loss Underwriting Exchange (CLUE) and ask for a free insurance history report. You’re allowed one free report every year.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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