What insurance companies check driving record for the past three years?

Most major insurance companies, such as GEICO, State Farm, Allstate, and Progressive, typically check driving records for the past three years when underwriting auto insurance policies. This review helps assess risk and determine premiums based on driving history, including accidents, traffic violations, and claims. Additionally, insurers may use third-party services to obtain driving records from state motor vehicle departments. It's important for drivers to be aware of their records, as a clean history can lead to lower premiums.