Definition
Clean Driving Record refers to a Texas driver history free of moving violations, at-fault accidents, and serious infractions such as DWI or DUI for a defined look-back period. Most Texas carriers look back 35 months for tickets and three to five years for accidents when rating a policy, though specific timeframes vary by company. A driver with a clean record qualifies for the lowest premium tier, including safe driver discounts that typically reduce premium by 5–20%. A clean record also makes a driver eligible for standard-market carriers, which generally offer lower rates than the non-standard specialty market. Minor non-moving violations such as parking tickets and equipment violations generally do not affect insurance rates. Texas drivers can check their own driving record through the Department of Public Safety driver record request system for a small fee, which is useful before shopping for quotes to verify what carriers will see.
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