Car accidents typically stay on your driving record for three to five years, but this varies significantly by state and the severity of the incident. The duration is not set by insurance companies but by your state's Department of Motor Vehicles (DMV). It's this official DMV record that insurers check when calculating your premiums.
The clock starts ticking from the date the accident is finalized on your record, usually the date it occurred. A minor fender-bender where you were at-fault will likely impact your record for the standard period. However, more serious incidents like a DUI (Driving Under the Influence) conviction can remain on your record for up to 10 years or even permanently in some states.
| State | Typical At-Fault Accident Duration | DUI Duration | Major Violation (e.g., Hit-and-Run) |
|---|
| California | 3 years | 10 years | 10+ years |
| New York | 3 years | Up to 15 years | 10 years |
| Texas | 3 years | 5 years | 5 years |
| Florida | 3-5 years | 5-10 years | 7-10 years |
| Illinois | 4-5 years | 5-10 years | 7-10 years |
The primary consequence is the effect on your car insurance rates. An at-fault accident can cause your premiums to increase by 30-50% or more. This surcharge typically lasts as long as the accident is on your record. To manage costs, you can shop for new insurance, inquire about accident forgiveness programs, or take a defensive driving course to potentially offset the increase. The best course of action is to contact your local DMV for the exact timeframe in your state.
