How Far Back Does Auto Insurance Look At Driving Record? 
We represent carriers who look back 35 months , others 36 months , some out to 60 months , and a few out to 84 months . Some types of violations are of interest to carriers who may only ordinarily look back 35 or 36 months . Major cites like a DWI , reckless operation or similar violations will earn you a minimum five year experience period . Some states like Michigan use 2 years for a minor violation and 3 yrs on an accident to match the State 's driver point assessment schedule . Check with your state driving authority for law or permissible practice in your state . 