Insurers will view your driving record as an indicator of your likelihood of filing a claim. The more blemishes you have on your record, the more you’ll be considered a cost risk; therefore, you’ll likely be charged more for your plan.
However, driving records aren’t permanent, and many infractions will fall off your record after a number of years. Therefore, most insurers will only view the last three to five years of your driving history when setting your rates. So, the more time passes from an infraction, the more likely you are to see your rates fall over time.