Best Auto Insurance Companies That Don’t Run 10-Year Background Checks (2021)

Drivers can buy auto insurance with auto insurance companies that don't run ten-year background checks on their drivers and get rates as low as $150/month. Companies like Allstate, GEICO, and more can offer you excellent rates and don't look further than five years into your driving record. Some auto insurance companies that don't run ten-year background checks even offer accident forgiveness so you keep your rates from rising.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 30, 2021

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Things to Remember

  • Many major insurance companies only look back three to five years in a driver’s record
  • If you have a criminal record that has nothing do with driving, insurance companies cannot see that information
  • Drivers can shop online to find companies with great accident forgiveness programs

Having a long history of accidents on your driving record can hurt your insurance rates, and it can be hard to find affordable auto insurance with auto insurance companies that do run 10-year background checks on their drivers.

If you are a driver who’s had quite a few accidents in the past, you can still get great auto insurance rates with auto insurance companies that don’t run 10-year background checks but only five- or even three-year checks.

Don’t keep paying for an eight-year-old accident. You can find cheap auto insurance from companies that won’t look deeply into your driving past and will also offer accident forgiveness to protect your rates in the future — because anyone can get into an accident.

Enter your ZIP code to get free quotes from auto insurance companies that don’t run 10-year background checks today.

Auto Insurance Companies That Don’t Conduct 10-Year Background Checks

Here’s a good rule of thumb when shopping for an auto insurance company: avoid auto insurance companies that do run 10-year background checks.

When an insurance company runs a background check, it is looking up your Motor Vehicle Report (MVR), which contains your history of moving violations, tickets, and accidents. This record of your previous accidents plays a major role in the calculations of your rates.

Just take a look at how high rates can be at a company like State Farm if you have a tumultuous driving record in comparison to a clean record:

State Farm Rates by Driving Record
Driving RecordAverage Premium
Clean Record$2,821.18
With One Speeding Violation$3,186.01
With One Accident$3,396.01
With One DUI$3,636.80
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Now you should bear in mind that insurance companies like State Farm and Progressive will only run checks that go back as far as three years.

This means that your moving violation or accident will “fall off” your record, and you could be paying closer to, say, Allstate’s average rate of $150 a month as long as you keep your record clean.

If you’re being charged too much by your auto insurance company, these auto insurance companies that don’t run 10-year background checks can help:

  • Allstate
  • GEICO
  • State Farm
  • Progressive
  • AAA
  • USAA
  • Safeco

If you have a company that is not on this list and does run background checks, what type of information will they be looking for? Read on to find out.

What Insurance Companies Look For When Conducting Background Checks

What do auto insurance companies check when they look into a driver’s driving history? When an insurance company conducts a background check it can see:

  • Your name
  • Your address
  • Your driver’s license status
  • Your driver’s license number
  • Any convictions that are related to motor vehicle violations
  • If you’ve been in any accidents
  • If you’ve failed to yield or failed to come to a complete stop

Now, you may be asking yourself, “What driving record information cannot be seen by insurance companies?” Auto insurance companies are primarily concerned with your risk level as a driver, so no information on your criminal history (as long as it doesn’t pertain to driving) will be visible.

Even if you have a great record and haven’t been in an accident yet, you should still consider getting auto insurance quotes from auto insurance companies that don’t run 10-year background checks and offer accident forgiveness.

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How Accident Forgiveness Works

An insurance company’s accident forgiveness program is an added benefit that can potentially keep your insurance rates from increasing if you were to cause an accident. Bear in mind that if you were to cause countless accidents, you would lose this benefit.

Accident forgiveness is typically sold to drivers, but if you have an excellent driving record, an insurance company may actually offer it to you free of charge.

Insurance Companies That Offer Accident Forgiveness

If you don’t want to buy auto insurance from companies that do run 10-year background checks, you don’t have to, and you can even keep your rates from rising in the future by working with one of these insurance companies that offer car insurance discounts like accident forgiveness:

  • GEICO
  • Allstate
  • Farmers
  • Liberty Mutual
  • Progressive
  • State Farm
  • Nationwide
  • Travelers

You should note that every insurance company has designed its accident forgiveness program a little differently and as a result, each program comes with its own set of pros and cons.

For example, Allstate’s accident forgiveness is only accessible through its Gold and Platinum packages, which means you may have to pay more than you would like for insurance, and this perk is not available in all 50 states.

Like Allstate, drivers will have to see if GEICO’s accident forgiveness program is available in their state, but, on the other hand, this program is free after five years for qualifying drivers.

Even better, if drivers have an accident once while enrolled in this program, it will be forgiven, and they won’t lose their good driver discount.

The insurance company Farmers offers accident forgiveness in every state, but the cost does vary and multiple drivers can only have one accident forgiven per policy.

And yet, this program could be very appealing because an unlimited number of low-cost accidents are permitted without any detriment to the policyholder.

With this information in hand, you’ll know what to look for when you’re on the hunt for an accident forgiveness program that works for you.

You should also feel free to ask any questions when shopping for insurance so you can feel confident that you are making the best choice for your needs.

How to Find the Best Accident Forgiveness Program for You

If you think that an accident forgiveness program could be of benefit to you, then you should:

  • Compare quotes from other companies to your current policy
  • Consider the cost of each accident forgiveness program
  • Examine the benefits of each program
  • Verify any information you are not sure about

Employing these easy strategies can help you make the best choice for you and any other drivers on your policy.

Auto Insurance Companies That Don’t Run 10-Year Background Checks: The Bottom Line

If you’re a driver whose rates are being haunted by accidents that happened over five years ago, you don’t have to keep paying for them.

In fact, you can find great auto insurance quotes with auto insurance companies that don’t run 10-year background checks today.

Companies like Allstate, GEICO, and more can offer you great protection and excellent rates. You can even protect your future rates by enrolling in these companies’ accident forgiveness programs in case you do get into another accident.

If you want to find auto insurance companies that don’t run 10-year background checks, enter your ZIP code to get free insurance quotes from companies near you.

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