Best Car Insurance Company That Only Goes Back Five Years (2022)

Finding a car insurance company that only goes back five years is easy since most insurers only look back three years. In fact, most states only allow violations to stay on your record for three years with the exception of serious offenses such as DUIs. GEICO, State Farm, and USAA offer the lowest rates for drivers with tickets, accidents, and DUIs. An auto insurance company that only goes back five years should lower your rates once your driving record clears.

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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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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

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 Leslie Kasperowicz

UPDATED: Jun 17, 2022

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The Highlights

  • Most car insurance companies look back three to five years on your driving record
  • Car insurance rates for high-risk drivers are expensive
  • Once violations are off your driving record, your car insurance rates will decrease

All of the best car insurance companies are concerned with your driving record. A bad driving record can cause your car insurance rates to skyrocket.

Thankfully, finding a car insurance company that only goes back five years is easy since most only check your driving record for three to five years.

Shop around to find the most affordable car insurance company that only goes back five years. Then, compare multiple companies to find the best car insurance for bad driving records.

Enter your ZIP code now to compare free quotes from car insurance companies that only go back five years near you.

What car insurance companies only go back five years?

In general, car insurance companies don’t look back more than five years unless it’s for a serious offense like a DUI.

While car insurance companies that only look back three years are the most common, you can also find car insurance companies that only look back two years.

Every car insurance company makes its own rules. For example, how far back do GEICO and Progressive look at your driving record?

Both GEICO and Progressive state they look back three years or less.

The best insurance for bad driving records will depend on how the car insurance company weighs your driving record. Your rates should decrease as tickets and accidents come off of your record.

This table shows average car insurance rates from top companies based on driving records.

Average Annual Car Insurance Rates by Driving History
CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 AccidentAverage Annual Rates with 1 DUIAverage Annual Rates with 1 Speeding Violation
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
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If you have more than one accident, ticket, or DUI, your car insurance rates will be much higher. The best car insurance company for drivers with a bad driving record will differ by driver.

Keep in mind that each state also determines how far back a car insurance company can look at your driving record.

Most states allow car insurance companies to look back only three years unless the offense is serious such as reckless driving or DUI.

How often do car insurance companies check driving records?

Most car insurance companies check your driving record when you apply for coverage and then again when you renew your policy.

It’s important to be honest with your car insurance company about your driving record. Your auto insurance company will find out the truth anyway.

Lying to your car insurance company or misrepresenting yourself is insurance fraud according to the Insurance Information Institute. This can lead to your car insurance rates increasing or to the cancelation of your policy.

Request a copy of your driving record from your DMV periodically. This way, you know exactly what’s on your record and can talk with your car insurance company to get the lowest rates.

You wont find auto insurance that doesn’t check driving records since your driving record is such a huge part of determining your rates.

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How can drivers save money on car insurance?

Even if your driving record is less than perfect, you can do things to lower your rates.

First, take advantage of all of the car insurance discounts that you can. Although many discounts are based on your driving, there are others. Some are based on your history with the company, the type of policy you have, and even the features on your car.

This table shows you car insurance discounts available from top car insurance companies. If the amount of the discount is known, it is listed.

Car Insurance Discounts by Company
Car Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5N/AN/AN/A
Adaptive HeadlightsN/AN/AN/A5N/AN/AN/A
Anti-lock Brakes5555
Claim Free2610152312
Continuous CoverageN/AN/AN/A15N/A
Daytime Running Lights155N/Ax
Defensive Driver105105103
Distant StudentN/A10x7
Driver's Ed10N/A101583
Driving Device/AppN/A30402050305
Early SigningN/A8N/A1012
Electronic Stability ControlN/A5N/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Engaged CoupleN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Family LegacyN/AN/AN/AN/AN/AN/A10
Family PlanN/AN/AN/A25N/AN/AN/AN/A
Farm VehicleN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/A810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5N/AN/AN/A
Full PaymentN/A$5N/AN/A7.5N/A
Further EducationN/AN/AN/A1015N/AN/AN/A
Good CreditN/AN/AN/AN/AN/A
Good Student1522.5102583
Green VehicleN/A5N/A10N/AN/AN/A10N/A
Lane Departure WarningN/AN/AN/AN/AN/AN/AN/A
Life InsuranceN/AN/AN/AN/AN/AN/AN/AN/A
Low Mileage30
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029102010121713
Multiple Vehicles25102010208
New Customer/New PlanN/AN/AN/AN/AN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehicleN/AN/A401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/A
On-Time PaymentsN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingN/A$30$233
Passive Restraint402040
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Roadside AssistanceN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Safe DriverN/AN/A15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverN/AN/AN/AN/AN/AN/AN/A
Stable ResidenceN/AN/AN/AN/AN/AN/AN/AN/A
Students & AlumniN/AN/A107N/AN/AN/AN/A
Switching ProviderN/AN/A10N/AN/AN/AN/A
Utility VehicleN/AN/AN/AN/AN/AN/AN/A
Vehicle Recovery1535255
VIN EtchingN/AN/AN/A5N/A
Young DriverN/AN/AN/AN/AN/AN/AN/A$75
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Consider taking a defensive driving course. Not only can you pick up some  safe driving tips, but you can also get a car insurance discount. You may even be able to remove points from your driving record in some states.

Raising your deductibles and lowering your coverage will also decrease your car insurance rates. However, you will have to pay more for damages if you are in an accident.

Car Insurance Company that Only Goes Back Five Years: The Bottom Line

Finding a car insurance company that doesn’t go back five years is easy. Many insurers only look back three years to determine if you are a high-risk driver.

If you have a less than perfect driving record, take advantage of discounts and lower your deductible to save money on car insurance.

Shop around to find the most affordable car insurance for high-risk drivers and drivers with just a few dings on their driving record. Each company will weigh your driving record differently and offer different rates.

Compare free quotes to find the lowest rates from a car insurance company that only goes back five years by entering your ZIP code now.

Are you looking for free insurance quotes?

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

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