How Long Does an Accident Stay on Your Record in Texas?

If you have been in a car accident in Texas, you are probably wondering how long it will affect your insurance rates. The answer depends on several factors, including who was at fault and your insurance carrier.

How Long Accidents Stay on Your Texas Driving Record

In Texas, accidents stay on your driving record for 3 to 5 years depending on severity:

• At-fault accidents: 3 years from the date of the accident
• DUIs/DWIs: 10 years (and can affect rates for 7+ years)
• Major violations: 5 years
• Minor violations: 3 years

How Long Accidents Affect Your Insurance Rates

While accidents stay on your record for 3-5 years, your insurance rates may be affected for:

• At-fault accidents: 3-5 years of increased premiums (typically 20-40%)
• Not-at-fault accidents: May not affect rates with some carriers
• Multiple accidents: Can lead to non-renewal or placement in a high-risk pool

Can You Remove an Accident From Your Record?

No. Texas does not allow accidents to be expunged or sealed from your driving record. However, you can:

• Take a defensive driving course (some carriers offer discounts)
• Shop for a carrier that weighs accidents less heavily
• Ask about Accident Forgiveness programs
• Wait for the 3-year mark when most carriers stop surcharging

Get a Quote After an Accident in Austin

Even with an accident on your record, EZ Insurance Agency can find you affordable coverage. We work with carriers that specialize in post-accident policies. Call (512) 444-4445 or get a free quote online.