How to pull your driving report for free

January 11, 2026

By Kim Komando

You already know to check your credit report. Now, you should be pulling your driving report, too. Insurance companies use it to decide how risky you are behind the wheel, sometimes before they even give you a quote.

The good news? You have a legal right to see what they know about you for free once a year. You might be shocked at what’s already in your file. Here’s how to get it:

🚘 Start with LexisNexis (the big one)

LexisNexis isn’t the only data broker out there, but it’s the one auto insurers check the most before setting your rates.

Step 1: Go to consumer.risk.lexisnexis.com.

Step 2: Click the red rectangle marked “Request a Consumer Disclosure Report.”

Step 3: Fill out the form with your name, address, date of birth, SSN and driver’s license number. Yep, they want all that to make sure it’s really you. They already got that info.

Step 4: Keep an eye on your mail for instructions on accessing your report online. Follow those steps to see everything they have tied to your name.

☎️ Prefer to talk to a human? Call 1-888-497-0011 and ask for your Consumer Disclosure Report.

🔍 What’s in your report

If apps on your phone have been quietly tracking your driving, this information usually shows up.

• Behavior data (speed, braking, mileage)
• Accident and claims history
• Prior insurance activity
• Which companies have your info

✅ When you read it, do this

Pay attention, don’t skim it. That can cost you hundreds of dollars a year.

• Screenshot or download a copy for your records.
• Check dates carefully. Old or duplicate info is common.
• Flag anything fishy before starting a dispute. Way easier than rereading later.
• Look for mystery sources. Don’t recognize some? They’re usually tied to apps you forgot you installed.

⚠️ Found something wrong? 

Fight back. Just like your credit report, this data is regulated by law. Under the Fair Credit Reporting Act, you have the right to request corrections and get unverifiable data removed.

Dispute instructions come with your report. Use ’em! Corrections usually take about 30 days. You deserve to know who’s watching and who’s cashing in.