What effect does a clean driving record typically have on auto insurance?

A clean driving record typically leads to lower auto insurance premiums because it demonstrates to insurance companies that the driver is less likely to file a claim. Insurers view a history free of accidents, traffic violations, and claims as an indicator of responsible driving behavior, which reduces the perceived risk involved in insuring that driver. As such, drivers with a clean record are often rewarded with discounts or lower rates compared to those who may have traffic incidents or accidents in their history.

In contrast, higher premiums are generally associated with risky driving behavior, which is not the case for those who maintain a spotless record. Saying that a clean record has no impact on premiums overlooks the significant weight that insurers place on driving history when determining rates. Additionally, suggesting that a clean record allows drivers to skip having insurance is inaccurate, as all drivers are legally required to carry a minimum level of insurance regardless of their driving history.