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Have no accidents or violations in the last 3 years.

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Question: How long do moving violations remain on your record in New York? If they are no longer on your record, do you have to list them with your car insurance?

Answer: Moving violation convictions normally remain on a New York driver record during the year that the conviction occurred and the following three calendar years.

The New York state DMV removes the conviction from your driver record on Jan. 1 of the fourth year. For example, a conviction that occurred in 2019 will remain on your driving record until Jan. 1, 2023.

Serious conviction, such as driving under the influence, remains on a New York driving record for 10 years. If a driver is convicted of the same violation during that 10-year period, the motorist can receive additional penalties according to the NYS DMV.

Typically, your car insurance company will review your driving record upon renewal of your policy, or when you apply for coverage, and generally look at the past three years or so.

Your rates are likely to increase after an at-fault accident, or traffic violation, such as speeding. New York car insurance rates increase, on average, about 12% for one at-fault accident. For a speeding ticket, exceeding the limit by 16 to 30 miles per hour, your rates will jump about 18%, on average, per year.

Learn more about New York driver points and citations and how they affect insurance for moving violations, by reading our guide to the best cheap car insurance for New York City after a speeding ticket. It explains how much you can still save on coverage by comparison shopping after a moving violation, when you will start paying the increased rate and for how long, among other key points.