How long do insurance claims stay on your record?
Most claims and accidents affect your auto rates for about three to five years, and stay visible in industry databases (like CLUE) for around seven. Home claims work similarly.
The takeaway
Because surcharges fade over time, it's worth re-shopping as old claims age off — a carrier that penalized you may now be competitive.
See your matches in 60 seconds
Compare top carriers across auto, home, renters, health, and life. 0% commission. No spam calls.
Get my matches →