How long does a car accident stay on your insurance record?

Most car insurance accidents stay on your insurance record for three years. Serious offenses like a DUI can stay on your insurance record even longer. Anytime you get into a car accident, you need to know how it affects your car insurance. The process is not the same for all companies and policies, but there are a few common things that all drivers should know.

UPDATED: Mar 11, 2024Fact Checked

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Benjamin Carr

Former State Farm Insurance Agent

Benjamin Carr worked as a licensed insurance agent at State Farm and Tennant Special Risk. He sold various lines of coverage and informed his clients about their life, health, property/casualty insurance needs. Assessing risks and helping people find the best coverage to suit their needs is a passion of his. He appreciates that insurance was designed to protect people, particularly during times...

Former State Farm Insurance Agent

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

UPDATED: Mar 11, 2024

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