Compare Best Car Insurance Companies That Only Look Back Three Years in 2024 (Top 10 Companies)
Compare the best car insurance companies that only look back three years – State Farm, Progressive, and Allstate – offering full coverage at $86 and minimum coverage at $33. These top providers tailor rates to recent driving history, ensuring competitive options.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
Certified Financial Planner
UPDATED: Mar 29, 2024
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Mar 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Discover wide range of coverage and compare best car insurance companies that only look back three years with State Farm, Progressive, and Allstate. State Farm stands out with multipolicy discounts, Progressive introduces the innovative Snapshot Program, and Allstate offers peace of mind with Accident Forgiveness.
It’s no secret that your driving history affects your car insurance rates. What may be surprising is how far back car insurance companies look at your driving. Finding car insurance companies that only look back three years isn’t all that hard, although some companies look back five years. (For more information, read our “How far back do car insurance companies look?“).
Company | Rank | See Pros/Cons | Lookback Discount | Safe Driver Discount | Best for |
---|---|---|---|---|---|
#1 | State Farm | 10% | 15% | Multi-Policy Discounts | |
#2 | Progressive | 9% | 14% | Snapshot Program | |
#3 | Allstate | 11% | 16% | Accident Forgiveness | |
#4 | Liberty Mutual | 8% | 13% | Add-on Coverages | |
#5 | Nationwide | 7% | 12% | Vanishing Deductible | |
#6 | Farmers | 9% | 14% | Safe-Driving Discounts | |
#7 | American Family | 8% | 13% | Bundle Discounts | |
#8 | Travelers | 10% | 15% | Online Convenience | |
#9 | Erie | 7% | 12% | Rate Lock | |
#10 | Mercury | 8% | 13% | 24/7 Support |
Even if your driving record leaves something to be desired, you can still find affordable car insurance by shopping around. Each company will offer different rates to each driver, so compare the best car insurance companies that only look back three years to find the best deal.
If you’re ready to buy car insurance now, enter your ZIP code above to compare free quotes from car insurance companies that only look back three years in your area today.
#1 – State Farm: Multiplying Savings With Multi-Policy Discounts
Pros
- Multi-policy discounts: State Farm offers a generous 10% discount for customers bundling auto insurance with other policies, promoting cost savings.
- Safe driver discount: With a 15% discount for safe drivers, State Farm rewards responsible driving habits.
- Established reputation: State Farm’s long-standing presence and reputation contribute to customer trust and confidence.
Cons
- Lookback discount limit: State Farm’s 10% lookback discount, while beneficial, might be comparatively lower than some competitors.
- Snapshot program absence: The absence of a usage-based program like Snapshot may disappoint customers seeking personalized rates based on driving behavior.
Read more: State Farm Car Insurance Review
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#2 – Progressive: Innovating With The Snapshot Program
Pros
- Competitive lookback discount: A 9% lookback discount contributes to Progressive’s overall competitiveness in the market.
- Wide range of coverages: Progressive offers a diverse range of coverages and add-ons, allowing customers to tailor their policies to specific needs.
- Online accessibility: Progressive’s user-friendly online platform provides convenience for policy management and claims processing.
Cons
- Slightly lower safe driver discount: The safe driver discount, though present, is marginally lower than what some competitors offer.
- Limited personalization options: The reliance on Snapshot for personalized rates may limit choices for customers who prefer alternatives.
Read more: Progressive Car Insurance Review
#3 – Allstate: Elevating Assurance With Accident Forgiveness
Pros
- Competitive safe driver discount: A 16% discount for safe drivers positions Allstate as an attractive option for those with a clean driving record.
- Enhanced coverage options: Allstate provides a variety of add-on coverages, allowing customers to customize their policies for comprehensive protection.
- Digital tools and resources: The company offers a range of digital tools and resources for easy policy management and claims handling.
Cons
- Limited lookback discount information: The criteria for the 11% lookback discount are not explicitly outlined, potentially causing uncertainty for prospective customers.
- Possibly higher premiums: Some customers might find Allstate’s premiums relatively higher compared to other providers, impacting budget-conscious individuals.
Read more: Allstate Car Insurance Review
#4 – Liberty Mutual: Enhanced Protection With Add-On Coverages
Pros
- Add-on coverages: Liberty Mutual stands out with a focus on add-on coverages, allowing customers to enhance their policies for more comprehensive protection.
- Competitive lookback discount: An 8% lookback discount contributes to the overall appeal for those with a limited driving history.
- Nationwide presence: Liberty Mutual’s nationwide presence ensures accessibility and support for customers across different regions.
Cons
- Slightly lower safe driver discount: The safe driver discount, at 13%, maybe slightly lower than what some competitors offer.
- Limited digital innovation: Liberty Mutual’s online tools and digital resources may not be as advanced or user-friendly as those of some other providers.
Read more: Liberty Mutual Car Insurance Review
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#5 – Nationwide: Deductible Disappears With Vanishing Deductible
Pros
- Vanishing deductible: Nationwide offers a unique vanishing deductible feature, allowing safe drivers to reduce their deductibles over time.
- Competitive lookback discount: With a 7% lookback discount, Nationwide provides a competitive edge for customers with a limited driving history.
- Wide range of coverages: Nationwide’s diverse coverage options allow customers to tailor their policies to their specific needs.
Cons
- Limited safe-driving discounts: While Nationwide provides a vanishing deductible, its safe-driving discount may be slightly lower compared to some competitors.
- Regional variances: The availability of certain features and coverages may vary by region, potentially limiting options for some customers.
#6 – Farmers: Promoting Safety With Safe-Driving Discounts
Pros
- Safe-driving discounts: Farmers emphasize safe-driving discounts, providing incentives for customers with a clean record.
- Competitive lookback discount: A 9% lookback discount contributes to Farmers’ competitiveness in the market.
- Personalized coverage options: Farmers offers personalized coverage options, allowing customers to tailor their policies to specific needs.
Cons
- Snapshot program absence: Farmers does not offer a usage-based program like snapshot, potentially limiting options for customers who prefer personalized rates based on driving behavior.
- Limited digital innovation: The company’s online tools and digital resources may not be as advanced or user-friendly as those of some competitors.
Read more: Farmers Car Insurance Review
#7 – American Family: Savings Multiply With Bundle Discounts
Pros
- Bundle discounts: American Family focuses on bundle discounts, encouraging customers to combine multiple policies for overall cost savings.
- Competitive lookback discount: An 8% lookback discount contributes to the attractiveness of American Families for those with a limited driving history.
- Customer-centric approach: The company is known for its customer-centric approach, providing personalized assistance and support.
Cons
- Slightly lower safe driver discount: While a 13% safe driver discount is offered, it may be slightly lower compared to some competitors.
- Limited digital innovation: American Family’s online tools and digital resources may not be as advanced or user-friendly as those of some other providers.
Read more: American Family Car Insurance Review
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#8 – Travelers: Navigating Convenience With Online Services
Pros
- Online convenience: Travelers excel in online convenience, providing users with user-friendly digital tools for easy policy management and claims processing.
- Competitive lookback discount: With a 10% lookback discount, Travelers offers a competitive advantage for customers with a limited driving history.
- Wide range of coverages: Travelers provides a diverse range of coverages, allowing customers to tailor their policies to specific needs.
Cons
- Possibly higher premiums: Some customers might find Travelers’ premiums relatively higher compared to other providers, impacting budget-conscious individuals.
- Limited add-ons: While Travelers offers a variety of coverages, the options for add-ons may be somewhat limited compared to some competitors.
Read more: Travelers Car Insurance Review
#9 – Erie: Stability Ensured With Rate Lock Feature
Pros
- Rate lock: Erie’s Rate Lock feature ensures that customers can lock in their rates, providing financial stability and protection against potential rate increases.
- Competitive lookback discount: With a 7% lookback discount, Erie remains competitive in offering attractive rates for those with a limited driving history.
- Customer service reputation: Erie is known for its strong customer service reputation, providing personalized assistance and support.
Cons
- Limited national availability: Erie’s coverage is limited to specific regions, potentially excluding customers in areas where the company does not operate.
- Limited online tools: The online tools and digital resources offered by Erie may not be as advanced or comprehensive as those of some larger insurers.
Read more: Erie Car Insurance Review
#10 – Mercury: Round-the-Clock Assistance With 24/7 Support
Pros
- 24/7 Support: Mercury stands out with its commitment to 24/7 customer support, ensuring assistance is available whenever needed.
- Competitive lookback discount: A solid 8% lookback discount contributes to Mercury’s appeal for those with a limited driving history.
- Local presence: Mercury’s local presence ensures a focus on regional needs and personalized customer support.
Cons
- Limited coverage options: Mercury may have fewer coverage options compared to some larger insurers, potentially limiting choices for certain customers.
- Regional focus: While a local presence is an advantage, it may also mean that Mercury’s services are limited to specific regions, excluding customers in areas where the company does not operate.
Read more: American Mercury Car Insurance Review
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Car Insurance Companies That Only Look Back at Your Driving Record for Three Years
For those emphasizing recent driving records, insurers like State Farm and Progressive offer tailored coverage. State Farm, with multi-policy discounts, provides full coverage at $86 and minimum coverage at $33. Progressive’s Snapshot Program tailors rates, offering full coverage at $105 and minimum coverage at $39.
Insurance Company | Full Coverage | Minimum Coverage |
---|---|---|
State Farm | $86 | $33 |
Progressive | $105 | $39 |
Allstate | $160 | $61 |
Liberty Mutual | $174 | $68 |
Nationwide | $115 | $44 |
Farmers | $139 | $53 |
American Family | $117 | $44 |
Travelers | $99 | $37 |
Erie | $58 | $22 |
Mercury | $77 | $29 |
Other notable insurers include Allstate, Liberty Mutual, Nationwide, Farmers, American Family, Travelers, Erie, and Mercury, each emphasizing the last three years in their coverage rates.
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Liberty Mutual, with enhanced protection, offers full coverage at an average of $174 and minimum coverage at $68. Nationwide, featuring a vanishing deductible provides full coverage at $115 and minimum coverage at $44. Farmers, promoting safety with discounts, offer full coverage at an average of $139 and minimum coverage at $53.
American Family, with bundle discounts, provides full coverage at $117 and minimum coverage starting at $44. Travelers, prioritizing convenience, present full coverage at $99 and minimum coverage at $37.
Erie, with a stability-focused approach, offers full coverage at an average of $58 and minimum coverage at $22, while Mercury, with 24/7 support, provides full coverage at $77 and minimum coverage at $29. This concise overview empowers consumers to choose insurers aligning with their driving profiles and coverage preferences.
Read more:
- The Top 5 Car Insurance Companies
- Best Accident Insurance Companies
- Compare Best Car Insurance Companies That Accept Drivers With Multiple Accidents
Car Insurance Companies That Look Back Two, Three, Four, or Five Years
Each car insurance company will look back at your driving record differently. Some companies feel that two years is sufficient, while other companies want to see five years of your driving history.
Some of the car insurance companies that present themselves as discount insurers may look back at your driving record for just a couple of years. Although you may think this will help you, those companies may charge higher rates to start with.
How often a car insurance company checks your driving record will also vary. While all companies check your record when you buy a new policy, most also check your record when you’re up for renewal.
For example, how often does State Farm check driving records? The company doesn’t specifically say how often they check your driving record. However, you can be sure that they check often enough to know what kind of driver you are.
No matter what your driving record looks like, you want to be honest with your car insurance company. According to the Insurance Information Institute, misrepresenting facts on your insurance application is actually insurance fraud.
Your car insurance company will find out anyway when they run your driving record, so lying doesn’t help you. It can lead to much higher rates or your insurer refusing to cover you at all.
How Long Accidents and Tickets Stay on Your Driving Record
Each state will also have different requirements for how long infractions stay on your driving record.
Some states will allow tickets and minor accidents to be removed from your driving record after only three years, but DUIs may stay on your record for up to 10 years.
It makes sense to check your driving record every few years. Not only do you need to know what’s listed, but you can also check with your insurer to make sure they are not still charging you for tickets or accidents that have been removed.
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How Drivers With a Bad Driving Record Save Money on Car Insurance
If your driving record has a lot of dings on it, you need to do everything you can to save money on your car insurance.
Taking a defensive driving course can help you lower your rates. Not only will you get a car insurance discount for taking the class, but you will also learn valuable tips to make you a safer driver.
Many states also remove points from your driving license for taking a defensive driving course.
Ask for any other discounts that may be available to you. Not all discounts are based on your driving record. Many discounts are based on the type of customer you are, how many policies you have, and even the features that are on your vehicle.
Also, consider switching to usage-based car insurance. The rates are typically lower since you pay for every mile that you drive. Although there is a small base rate that is based on your personal information, rates are still cheaper if you don’t drive a lot of miles.
Case Study One: Maria’s Multi-Policy Savings With State Farm
Maria, a responsible driver, sought comprehensive coverage without being penalized for past incidents. Choosing State Farm, she benefited from multi-policy discounts, securing full coverage at an average of $86 and minimum coverage at $33. The insurer’s three-year look-back period allowed Maria to enjoy competitive rates while ensuring her recent responsible driving history took precedence.
Case Study Two: John’s Snapshot Success With Progressive
John, conscious of his driving habits, opted for Progressive’s Snapshot Program. The innovative approach tailored his rates based on recent behavior. With full coverage at $105 and minimum coverage at $39, John found that his safe driving habits over the past three years significantly influenced his premiums, rewarding him for responsible behavior.
Case Study Three: Emily’s Assurance With Allstate’s Accident Forgiveness
Emily, recognizing the importance of recent driving history, chose Allstate for its Accident Forgiveness feature. Focusing on the last three years, Emily secured full coverage at $160 and minimum coverage at $61. The insurer’s emphasis on recent incidents assured Emily, knowing her rates were influenced primarily by her recent responsible driving record.
Case Study Four: David’s Stability With Erie’s Rate Lock Feature
David, seeking stability in his premiums, opted for Erie’s Rate Lock feature. The insurer’s focus on the last three years allowed David to secure full coverage at an average of $58 and minimum coverage at $22. The rate lock feature provided additional predictability, ensuring that David’s recent driving history was reflected in his stable insurance premiums.
Case Study Five: Sarah’s Bundled Savings With American Family
Sarah, looking for comprehensive coverage and savings, chose American Family for its bundle discounts. Emphasizing her recent driving history, Sarah secured full coverage at $117 and minimum coverage at $44. The insurer’s approach allowed Sarah to maximize her savings by bundling coverage while benefiting from a favorable premium influenced by her responsible driving habits over the past three years.
Compare Car Insurance Companies That Only Look Back Three Years
Many car insurance companies only look back three years to determine your rates. However, that will vary by company and state regulations.
Shop around to get great rates if your driving history is less than perfect. Since each company will weigh your driving record differently, you will see very different rates from company to company.
No matter what your driving history looks like, enter your ZIP code below to compare quotes from car insurance companies that only look back three years for free.
Frequently Asked Questions
Why do some car insurance companies only look back three years?
Car insurance companies aim to assess your recent driving behavior to determine your risk profile accurately. By focusing on the last three years, insurers prioritize your recent history, providing a fair evaluation of your current driving habits.
How do multi-policy discounts work, and why are they beneficial?
Multi-policy discounts, like those offered by State Farm, provide savings when you bundle multiple insurance policies. Combining, for instance, auto and home insurance, can lead to reduced premiums, offering cost-effective coverage for policyholders.
What is Snapshot Program, and how does it impact insurance rates?
The Snapshot Program, pioneered by Progressive, tailors insurance rates based on your driving habits. Using telematics, it monitors factors like speed, mileage, and braking. Safe driving over the last three years can result in more favorable, personalized rates.
How does Accident Forgiveness benefit policyholders with recent incidents?
Accident Forgiveness, as seen with Allstate, ensures that certain accidents won’t lead to increased premiums. By focusing on the last three years, this feature offers a buffer for policyholders who have maintained responsible driving habits despite recent incidents.
Why is the Rate Lock feature important in car insurance, especially with Erie?
Erie’s Rate Lock feature provides stability by locking in your premium rate, unaffected by external factors. This is particularly valuable when insurers focus on the last three years, as it ensures your rates remain consistent, reflecting your recent driving history.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
Certified Financial Planner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.