...the better the driving record is, the lower the insurance premium will be.
“If you’ve had accidents or serious traffic violations, it’s likely you’ll pay more than if you have a clean driving record. You may also pay more if you’re a new driver without an insurance track record,” says the Insurance Information Institute (Triple-I.)
The organization also notes that different insurers have varying rules about what qualifies as “an unacceptably bad” driving record.
“If your history gets markedly worse with serious traffic violations or you have several accidents, your insurance company may decide not to renew your policy,” the Triple-I adds.