Cheapest Car Insurance Companies That Don’t Run 10-Year Background Checks (2022)

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Feb 13, 2022

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Key Takeaways

  • Many car insurance companies won’t look back 10 years
  • Instead, be aware that all insurance companies will examine your driving record for the last three to five years
  • If you’re considered a high-risk driver, there may be ways you can lower your auto insurance rates

Most, if not all, of the car insurance companies that don’t run 10-year background checks, look back three to five years instead. If you’re considered a high-risk driver, you’ll likely have to pay more for auto insurance. However, there are ways to get discounts and save on your auto insurance rates.

If you’re looking for the cheapest car insurance companies that don’t run 10-year background checks, enter your ZIP code into our free quote tool to see what you could pay for a policy today.

What car insurance companies don’t run 10-year background checks?

Many car insurance companies won’t examine your driving history past five years, let alone 10. Generally, most car insurance companies will only look at any negative impacts on your driving record from the last three to five years. If they examined a 10-year history, there’s no chance anyone would get affordable rates.

Some of the most popular insurance companies that don’t run 10-year background checks include:

  • State Farm
  • Progressive
  • Insurify
  • Farm Bureau

These insurance companies will only examine recent driving and criminal history to determine the risk that you’ll get into an accident during the policy’s life. So unless you’ve had a negative impact in the last three to five years, you don’t have to worry about getting flagged for something that happened a decade ago.

How often does State Farm check driving records? According to reporting from Wallethub, State Farm is one of the car insurance companies that only look back three years.

Can insurance companies see your driving restrictions?

When you apply for car insurance companies, they’ll ask for your social security card and driver’s license numbers. This will allow them to underwrite you and look at various factors in your life. For example, if your car insurance company checks your driving record, there’s a good chance they’ll come across your driving restrictions.

If you have restrictions on your license, there’s a chance you’ll have to pay more for car insurance. It may depend on why you have those restrictions and how severe they are, to begin with. If you’ve had multiple DUIs or other similar infractions, you may find it harder to get affordable auto insurance.

Are there insurance companies that don’t check driving records?

Unfortunately, there are no car insurance companies who will be willing to turn a blind eye to your driving record because your driving is exactly what they’re insuring. So if you have any negative flags on your driving record, your insurance company will likely find them and charge you extra for that.

Suppose you need to find a company that hasn’t looked at your record recently. For example, consider car insurance companies that only look back two years. This can include some popular insurance companies, but you’ll likely have to ask around to find one.

What driving record information be seen by insurance companies?

When you apply for a cheap car insurance policy, you should know that the company will examine your past to determine how you act in the future. For example, if you’ve had a lot of negative flags or violations on your driving record, your insurance company will expect you to have more issues in the future.

Some of the areas that an insurance company will look at include:

  • Past tickets and DUI charges
  • Car’s value and model
  • Demographics like age
  • Credit history

While some of these areas aren’t directly related to driving, the insurance company will still consider them before deciding what you’ll pay each month.

What’s the most affordable car insurance for high-risk drivers?

Undoubtedly, if you wanted to get the cheapest car insurance you can, you would need to get liability and none of the other optional coverages. While comprehensive and collision is good coverage to have on high-value cars, they can quickly get costly with the addition of a negative driving record.

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How can I get cheaper auto insurance rates?

If you’re having trouble finding affordable car insurance rates across the board, it’s likely because you’ve been deemed as a high-risk driver by insurance companies. However, this isn’t the end of the world, as you’ll need to work a little bit to put those violations behind you.

According to the Insurance Information Institute, some of the best ways to lower your auto insurance costs include:

  • Shop around at multiple insurance companies
  • Understand how your car will impact your insurance
  • Ask for a higher deductible
  • Reduce comprehensive and collision coverage on older cars

One of the best ways to lower your auto insurance is to discuss your policy with your insurance company. Consider trading in for a less valuable ride if you have a higher-to-insure vehicle. On the other hand, if you have an older car that’s low in value, you likely won’t be making back what you’re paying into comprehensive and collision coverages.

Companies That Don’t Run Driving Checks: The Bottom Line

The good news is that many car insurance companies don’t run 10-year background checks. Instead, you should be concerned about an insurance company looking at the last three to five years on your driving record. Unfortunately, there is no way to get out of this. However, if you’re considered a high-risk driver, there may be ways to lower your cost.

If you’re looking for car insurance companies that don’t run 10-year background checks, enter your ZIP code into our free quote tool.

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Enter your zip code below to view companies that have cheap auto insurance rates.

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