Manager, Marindependent Insurance Services LLC, California
It depends on the state you are in, the insurance company you are referring to, and a few other factors.
But there is really is no such thing as a clean record. You will always have an accident or a ticket on your record, it just will not show up on a report that pulls recent incidents.
Also remember that when enough time passes that a violation no longer gets surcharged, you still don't see any possible decrease until your next renewal. This is because violations don't get added on to, nor taken off of a policy until the renewal period. That's why you should choose six month policies over twelve month policies if your record isn't clean.
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But there is really is no such thing as a clean record. You will always have an accident or a ticket on your record, it just will not show up on a report that pulls recent incidents.