Does your motor vehicle record impact car insurance?
Yes, your motor vehicle record (MVR) is one of the main factors insurers consider when calculating your premium. Drivers with no moving violations or at-fault accidents are viewed as lower risk drivers and may qualify for lower rates or discounts for safe driving. If you have speeding tickets, at-fault accidents, or more serious violations like a DUI, insurers may charge you more for coverage.
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How does an MVR impact car insurance?
Insurers use your MVR to assess the risk of insuring you as a driver. The more safely you've driven in the past, the less likely you are to file a claim in the future, which leads to lower rates. On the other hand, an MVR with violations or at-fault accidents may lead to higher premiums because it suggests a higher chance of future claims. Your driving record can also affect your eligibility for certain discounts, including those for safe driving.
What information is included on an MVR?
Your MVR includes a wide range of details related to your driving history and license status. Depending on where you live, your record may show:
- Your name, driver's license number, and date of birth
- Any moving violations or traffic citations such a speeding or running a stop sign
- Accidents reported to the state
- License suspensions, revocations, or reinstatements
- DUI, DWI, and other serious driving convictions
- Points on your license
Some states issue a standard and a lifetime record. A standard record lists your most recent violations, usually spanning the last five to ten years. A lifetime record includes your entire driving history.
How long do traffic violations stay on your record?
In most states, common traffic violations such as speeding tickets remain on your driving record for three to five years. More serious offenses, like DUIs or at-fault accidents, may stay on your record for five years or longer. In some states, a DUI may remain on your driving record for up to ten years.
Insurers are usually most interested in your recent driving history when determining your rate. But more serious violations may influence your rate for longer.
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