How Far Back Does Auto Insurance Look At A Driving Record? 
This varies by State but typically and insurance company will look at your driving history for three years . During that period , they can charge you points for at fault accidents and some companies will charge for moving violations . Although they CHARGE you for 35-36 months , some insurance companies will look at your FIVE YEAR record to see if there is anything ELSE out there . This might cost you some discounts if there is activity in the past five years , but they should not charge you points for incidents older than 36 months . 