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Written by:
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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Reviewed by:
John McCormick
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Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

How long does an accident stay on your record in New York?

An accident typically remains on a New York state motor vehicle record (MVR) during the year that the accident occurred and for the following three years.

In New York, the DMV lists an accident on the driving records of every driver in an accident. An accident that appears on the driver record does not assign the fault to that driver or determine fault.

If the accident was considered by the state or DMV to be of a severe nature, it could remain on a driver’s record for more than 10 years. And a conviction for operating a vehicle under the influence of alcohol or drugs will be on your record for 15 years from the date of conviction.

If your accident is listed when an insurance company checks your driving record, it can affect your rates. This information regarding your driving record is critical because insurance companies typically look at your driving record when determining your rates.

In New York state, Progressive has the cheapest insurance after one bodily injury accident at $1,163 per year for full coverage car insurance in 2022, followed by American Family at $1,445 and USAA at $1,793. Please note that USAA is only available to military members, veterans and their families.

Compare auto insurance quotes to get the best cheap car insurance after an accident.

— Michelle Megna contributed to this story.

Resource & Methodology

Methodology

CarInsurance.com commissioned Quadrant Information Services to pull rates in 2022 for a 40-year-old male driver with a good driving record, 12-mile commute to work and full coverage insurance on a Honda Accord LX.

Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

Ask the Insurance Expert

John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.