What is a clean driving record?
A clean driving record is defined as a motor vehicle record (MVR) with no violations, at-fault accidents, or traffic-related convictions for a set amount of time. How long an offense stays on your record depends on the state and type of violation — typically it's from three to five years. A violation doesn't completely negate the chance for a clean driving record in the future. A clean driving record can lower your car insurance rate because your driving record and cost for auto insurance can be closely related — drivers without accidents and violations on their record are often considered a lower risk to insure.
Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.
Key takeaways
A clean driving record means no violations, at-fault accidents, or traffic convictions during a specific period
Maintaining a clean driving record may help reduce your rate for car insurance
What qualifies as a clean driving record?
If you’re a violation-free driver, then you'll have a clean driving record, or motor vehicle record, in your state. A clean driving record is typically made up of:
- No tickets
- No traffic convictions
- No at-fault accidents
- No serious offenses like reckless driving or DUI
Depending on the state, you can also have a clean driving record after violations fall off your record. For states that use a point-based system for violations, they can remain on your record for three to five years, depending on the state and the severity of the offense. Learn how long a speeding ticket stays on your record in your state, according to U.S. News & World report and how tickets impact insurance.
Example:You got a speeding ticket several years ago. In your state, a speeding ticket remains on your driving record for three years before it falls off. If more than three years have passed and you haven't had a new violation, the DMV or insurance company may consider your driving record clean.
What counts against a clean driving record?
Several factors may count against a clean driving record in your state, including:
- Moving violations like running red lights, making illegal turns, and speeding
- At-fault accidents, especially with injuries or damage
- Serious offenses like reckless driving, hit-and-runs, and DUIs
- License suspensions
- Accumulating too many points
- Driving without insurance
In rare cases, accidents and major moving violations, such as DUIs or reckless driving felonies, may stay on your record permanently. If you have multiple violations, some insurers may view you as "high-risk."
How does a clean driving record lower insurance?
A clean driving record may lower your car insurance premiums because it can show insurers that you're a safe driver and a lower risk to insure. One of the best ways to keep your auto insurance premium low is to maintain a clean driving record. In fact, safe drivers pay an average of 33% less for car insurance purchased directly through Progressive.*
However, moving violations, accidents, and convictions can raise rates significantly. The amount your insurance rate may go up after a speeding ticket, for example, will depend on your insurer, driving history, and sometimes how fast you were going. Filing multiple claims within a short period can also increase your premiums.
When it comes to accidents, some insurers offer accident forgiveness, which could mean your first covered at-fault accident may not increase your rate. Learn more about how auto insurance works.
How do I check my driving record?
To check your driving record, you can follow these steps:
Get a copy from your state's department of motor vehicles (DMV).
Some states provide online records for immediate viewing while others may require you to mail in a form or make an in-person visit.
Gather your personal information.
Be ready to provide your full name, date of birth, a valid driver's license, current address, and any request forms your DMV may require.
Choose your record type.
Your state may offer a certified or non-certified copy of your driving record. Courts accept certified copies, which are usually signed by the DMV, while non-certified copies are generally available instantly for your personal use.
Potentially pay a small fee.
Many DMV websites accept payments online. If you're visiting your DMV in person, cash or card may be required, depending on the office. If you're requesting your record by mail, your DMV may accept a check or money order.
Receive a copy of your driving record.
You may receive a printed copy in person or by mail, or get instructions to print or download your driving record.
Review your driving record.
Make sure the information is accurate. Look for tickets or accidents that should've expired or fallen off and dispute any errors right away.
Your driving record will include a report of all vehicular violations, typically within the past three to five years. If you live in a state that uses a points system, you can also view how many points are on your driving record.
Is there a way to clean up your driving record?
Yes, there are several ways that you may be able to clean up your driving record:
File a request to dispute errors.
If an error exists on your driving record, you'll need to file a request to dispute it. Filing a dispute varies from state to state, but most require you to fill out a form through the state DMV or insurance department. Be prepared with your driver's license, vehicle information, and specific details about the error. Once you file a claim, your state will research — and hopefully correct — the error.
Take a defensive driving course.
Taking safe driving classes may help reduce the points on your license if you live in a state with a points system. This process differs by state, and not all states offer points reduction options. For example, Delaware may give drivers a three point credit toward future points/violations if they complete an optional defensive driving course.
Contest your ticket to get it reduced or dismissed.
You may have a valid reason to contest your speeding ticket in front of a judge, like evidence that the officer clocked the wrong vehicle or no clear speed limit sign was posted.
Fix minor mechanical violations.
A minor mechanical violation like a non-working turn signal, cracked windshield, or an obstructed license plate is usually called a "fix-it ticket." If you show proof that you corrected the issue, a traffic court judge or clerk may reduce or dismiss your ticket.
Defer certain violations.
You may want to try to defer a violation to keep a ticket off your record or avoid points that may lead to a suspension. To defer, you will generally ask the court not to enter a conviction right away — instead, you may ask the court to postpone the judgment, give a probationary period, or dismiss or reduce your ticket (only if you meet certain requirements).
The process varies by state, and you must typically agree to conditions (such as acquiring no new tickets for a set timeframe, paying a fee, or completing community service), while staying violation-free. If you don't meet the conditions for deferment, your ticket or charge may become a conviction and go on your driving record.
Find out if you qualify for automatic expungement.
If you want to reduce points, remove a ticket, lift a suspension, or change another item on your driving record, expungement may be an option depending on your state. Some minor infractions may be eligible for removal after a certain number of years, while others may fall off your record after you complete a defensive driving course.
Strict rules often exclude serious offenses like DUIs from expungement. Depending on what you're trying to expunge, you will typically contact the court, DMV, or both to get the correct forms and follow the appropriate process.
How Progressive rewards good driving
Progressive's Snapshot program rewards you for good driving by basing your car insurance rates on your actual driving — drivers who save with Snapshot save an average of $322 per year.† In most states, you get an automatic discount** just for participating and a personalized rate at renewal depending on your results.
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