If You Fail the Driving Test Once, Will Your Insurance Increase?

by Roger Golden ; Updated July 27, 2017
Insurance is not affected if you fail a driving exam one time.

Failing the driving portion of your driver's license test one time will not have any impact on your insurance rates. Failing the driving test does not have any serious problems associated with it at all, but you may not be able to take the test again for a period of time. Insurance is not affected by any number of failures, but the licensing process may be.

Insurance is Unaffected

Failing a driving exam will not have any bearing on your car insurance rates for one simple reason: There are not points associated with failing the exam, and how many times you take a driving test is not part of your driving history. Insurance companies cannot penalize you for taking the driving exam more than once because they have no way of knowing whether or not you did.

Test Requirements

When you take a driving exam, the vehicle you take the test in must meet minimum requirements. All lights and signals must be in good working condition, and safety restraints must be present for both the passenger and driver. Additionally, the vehicle is required to be insured with at least the state-required minimum insurance, and a licensed driver has to be present to drive the car away in case you fail the driving test.

Failing a Driving Test

Failing a driving test one time is no big deal, and it will not be reported to the insurance company. You can retake the test again after a designated waiting period of around 14 days. Even failing the driving test a second time will not cause any problems other than the cost of taking the test again and a further delay in getting your driver's license. If you do fail the driving test one time, study the driver handbook and have a friend quiz you about things related to driving. If you have a driving permit, practice driving in a safe location, such as an unused parking lot.

Three Strike Regulations

Many states, including Connecticut and Virginia, have a “three strike” rule for driving exams. If you fail the driving exam three times, you will not be allowed to retake the test until you have completed a state-recognized driver-improvement course. In this way, states are able to refer drivers who could benefit from additional instruction to trained facilities. The idea is to keep the roadways safer by adhering to a minimum level of driving aptitude in all drivers.

About the Author

Roger Golden began his career as a writer in 2008, when he began writing weekly insurance and personal finance articles. Golden's work has appeared on eHow, USAToday.com, TheSpoof.com and his privately managed blogs, .modern Dislogic and Outdoors—Dixie Style.

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