Glossary term
Lookback period
Lookback period: How far back an insurer considers violations—typically three years, five for major.
Where this term matters
Guides and entries on this site that use the term.
Guide
How Long a Speeding Ticket Affects Insurance
The three-year insurance lookback, how it differs from the state's record and points periods, and when a ticket stops affecting your premium.
Entry
How Insurers Calculate Speeding Ticket Surcharges
Learn how auto insurers calculate rate surcharges after a speeding ticket, which rating factors compound costs, and how to lower your overall premium.