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I actually looked into this a bit and prior, I thought they were ran at the time of renewal. Turns out, it is not, it depends on which State Farm company you are insured under (there are many subsidary companies, depending on what state your in, your driving record at the time of application etc). Say for example in IL - State Farm Mutual or State Farm Fire & Casualty. The State Farm Mutual MVR's are never ran after the application and binding date, if they are adding a drive to the policy the MVR would only be ran on that person. A State Farm Fire & Casualty Policy would have an MVR ran every year. It would cost insurance companies a LOT of money to run MVR's on every single client consistently.

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Q: How often does State Farm check driving records?
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