Commercial auto insurance companies rely on detailed driving records to assess risk, determine premium rates, and decide the scope of coverage for business vehicles and drivers. Understanding how records are analyzed can help fleet managers and business owners secure more affordable coverage—and keep their teams safe and compliant.
Insurers obtain Motor Vehicle Reports (MVRs) from the Department of Motor Vehicles (DMV) or equivalent state agencies. These reports include:
Traffic violations: Speeding, red light infractions, reckless driving, DUIs, and more.
Accident history: Both at-fault and not-at-fault accidents are reviewed, with at-fault incidents weighing more heavily.
License status: Suspension, revocation, restrictions, and expirations can impact rates and eligibility.
Serious offenses: DUIs or criminal convictions can raise premiums for years or even result in denial of coverage.
Most insurers review records spanning the past three to five years, though serious offenses may appear for up to ten years (e.g., DUI in California).
Clean records: Drivers with few or no violations typically qualify for lower premiums and broader coverage.
Multiple infractions: One risky driver affects the entire fleet, increasing costs, limiting coverage, or resulting in policy exclusions.
Experience factors: Less experienced drivers—those with fewer years behind the wheel—may be deemed higher risk and cost more to insure.
Driving records are a major factor, but companies also analyze:
Worried about how your team’s driving records affect your commercial auto insurance? CF&P Insurance Brokers can help. Our experts will analyze your drivers’ profiles, spot risk factors, and recommend steps to lower premiums and keep your coverage strong. Contact us today for fleet assessment and discover smart ways to protect your business on the road. You can also call us directly at (925) 956-7700.
Yes, insurers evaluate all drivers listed on the policy to build a comprehensive risk profile and set rates.
Most review three to five years of history, but serious offenses like DUI may appear for up to ten years depending on state law.
Yes, even a single high-risk driver can increase rates for all company vehicles.
Maintain clean driving records, provide safety training, and regularly review and update driver lists with your insurer.
