How long can an insurance company keep a DWI conviction on your record?

Answer 1

Insurance Record for DWIInsurance companies do not keep any driving records for you, They check the DMV records which is how they can see your offenses. Most Companies only check your record for the last 3 to 5 years depending on your company underwriting guidelines. So that's when they stop surcharging you for the DWI.

Your DMV driving record is permanent.

Happy Motoring

Accidents, convictions for moving violations, and the suspensions or the revocations of your driver license remain on your driver record for these time periods:

A moving violation conviction or an accident normally remains on a driver record during the year that the conviction or the accident occurred, and for the following three calendar years. (Note: The DMV uses the year when the conviction occurred, not the year when the violation occurred.) The DMV removes a conviction or an accident from a driver record on January 1 of the fourth year after the year of the conviction or the accident. For example, an accident or a conviction that occurred during 2003 remains on the driver record until January 1, 2007. A conviction that is alcohol-related or drug-related (for example, DWI or DWAI) remains on a driver record for exactly 10 years. If a driver is convicted of the same violation during that 10 years, the driver can receive additional penalties. There are other convictions and accidents of a serious type that can remain on a driver record for more than 10 years. A suspension or a revocation of a driver license that was not cleared or not terminated remains on a driver record indefinitely. A suspension or a revocation that was cleared or terminated remains on a driver record during the year it was cleared or terminated and for the following three calendar years. (Note: The DMV uses the year when the suspension or the revocation was cleared or terminated, not the year when the suspension or the revocation began.)

Usually the minimum ranges from 7 years (Nevada) to 10 years in other states. Sometimes longer. A subsequent offense will usually extend it by 4-6 years.

If it resulted in a fatality, unfortunately such a conviction will follow you for lifetime in which case you can forget about buying insurance, a car, or having a unrestricted license ever again.

If no injuries resulted and you have one or more DWI convictions the easiest way to be forgiven is to voluntarily surrender your license for an ID, wait a few years then start over applying all over again. The conviction will be deleted and you can start over with whatever insurance company you want. Good luck!