How Your Driving Record Impacts Your Insurance Costs 

Your driving record directly affects how much you pay for auto insurance in Texas. Understanding how your driving history affects your premiums can help you make wiser choices and potentially reduce your coverage costs.

Why Your Driving Record Matters

Insurance companies periodically review driving records to calculate auto insurance rates. A history free of accidents or violations indicates to insurers that you pose less risk, which can result in lower premiums. In contrast, citations for speeding, prior accidents or other violations can lead to increased costs because insurers view these drivers as more likely to submit a claim.

Common Driving Record Factors That Affect Rates

Many details from your driving history may influence your insurance pricing, including:

• Accidents where you are found at fault
• Speeding, reckless driving and other traffic violations
• DUI/DWI convictions
• Submitting multiple claims, including small ones

Texas-Specific Considerations

In Texas, insurers usually examine your driving history over the previous 3 to 5 years when calculating your rates. The Texas Department of Insurance permits carriers to evaluate this information when assessing risk. That said, violations are not treated equally; minor issues generally have less impact than more serious offenses.

Learn More

Oasis Insurance Agency, Inc. assists Texas drivers, no matter your driving background. We review policies from various insurance carriers to help identify cost-effective options, including for those with less-than-perfect records. We also share practical ways to help reduce your rates over time, such as:

• Taking approved defensive driving courses
• Keeping a violation-free record going forward
• Asking about available discounts

If you want to better understand your coverage options or explore other ways to lower your premiums, contact our team today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.