The length of time that a car accident stays on your insurance record and driving record is 3 years.
When you get into a car accident and it's your fault and your insurance company finds out about the car accident then your insurance rates will likely be raised for at least 3 years until your driving record stays clean.
If you're accident free for the 3 years or longer then sometimes your insurance rates will drop again.
It can depend on the auto insurance company and your overall driving record as well.
But car accidents stay on your insurance for at least 3 years.
However after having a car accident it does not usually affect your auto insurance rates right away because auto insurance companies do not always check your driving record until around once per year but some may check it sooner.