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I'm not sure about Michigan but in most states it's up to the insurance company themselves. In Georgia the State Department of Motor Vehicles makes available 3 and 7 year MVRs. The 7 year MVR is more expensive of course. Most insurance companies use your last 3 years information for rating purposes. A few companies use 5 years for rating but not many.

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Q: How far back does Michigan auto insurance go back on your license for a quote?
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