Question of the Day: How long will most driving violations affect your car insurance rates?

Feb 18, 2020
Question of the Day, Insurance



  • What driving violations do you think are most common among teen drivers? 
  • Why do you think that insurance companies increase the cost of auto insurance for those who have driving violations for so many years after the violation? 
  • Does this seem fair to you? Explain. 

Click here for the ready-to-go slides for this Question of the Day that you can use in your classroom.

Source: State of Insurance 2020 (The

For a detailed analysis of various violations and how long they will impact your insurance rates, check out this article from The Balance:

Violations are not handled the same way between each insurance carrier. Some insurance carriers may only go back two years for minor violations, while others might go back three years from the incident.2 Most insurance carriers offer a good driver discount after no accidents or violations for five years, and some even offer accident forgiveness if you’re generally a safe driver.3

A good driver discount is offered to people who have a clean record for a certain number of years. The length of time varies by state and by insurance company, so it's a good idea to call your insurance company and ask how long you'll be required to pay higher premiums.


Looking for more Questions of the Day, be sure to check out the QoD Library here or better yet, subscribe and get it sent to your inbox every morning. 


On the topic of insurance, we have a NEW! MOVE Activity: What' determines your insurance premium? to help students understand the various types of insurance they may purchase over their lifetime. 





About the Author

Tim Ranzetta

Tim's saving habits started at seven when a neighbor with a broken hip gave him a dog walking job. Her recovery, which took almost a year, resulted in Tim getting to know the bank tellers quite well (and accumulating a savings account balance of over $300!). His recent entrepreneurial adventures have included driving a shredding truck, analyzing executive compensation packages for Fortune 500 companies and helping families make better college financing decisions. After volunteering in 2010 to create and teach a personal finance program at Eastside College Prep in East Palo Alto, Tim saw firsthand the impact of an engaging and activity-based curriculum, which inspired him to start a new non-profit, Next Gen Personal Finance.