How long does a speeding ticket remain on your record for insurance carriers? Was it three years? What is the current auto insurance rate in Wisconsin?

James

Green Bay, WI

Normally insurance carriers have a look back period to rate on an offense conviction for three, five or seven years. Since your speeding ticket would be on your driving record for five years then an insurance carrier could rate you on this violation for that time period or for a lesser time period.

Since insurance carriers look back period and rating systems differ so you will need to contact your insurance provider to check how long they will rate you on the speeding ticket.Your insurance agent in Green Bay, Wisconsin should be able to inform you about your insurance carrier’s rating system and/or you can contact the Wisconsin insurance regulator with whom surcharge and rates information must be filed with.

Rates vary from person to person, zip code to zip code I can only suggest you get a quote and find your rates.

Someone told me that in the state of Wisconsin the car insurance carriers were only permitted to look back 3 years on your driving record. Is this true? I live in Kenosha Wisconsin.

Neve

Kenosha, WI

I am not aware that insurance companies can only look at your driving record for three years in Kenosha or in any part of Wisconsin.Insurance carriers generally can go back 3, 5 or 7 years to look at a person’s driving record.

Most minor moving violations stay on your record for three years while major traffic violations can remain on your record for seven years or more. Many insurance providers will look 3 years back on a driver’s record for minor infractions but will look back for major offenses, i.e. DUI, for a longer period of time, such as 7 years.

On applications for car insurance many carriers will request information on previous accidents and moving violations and indicate how long proceeding the application date they will want you to list. If they request more than 3 years back, then you will need to list the moving violation and/or accident that happened during the time frame they requested information on.