A person’s driving record—also known as a motor vehicle report (MVR)—will include any DUI/DWI convictions, driver’s license suspensions or revocations, motor vehicle accidents, and traffic violations. A person’s driving record is analogous to a credit report when seeking a loan and is generally used by automobile insurance companies to determine a driver’s insurance rate or cost.

A DUI/DWI conviction, driver's license suspension or revocation, or related accident or traffic violation may significantly increase a driver's insurance rate—and two or more DUI/DWI convictions may make it difficult for a driver to acquire the insurance necessary to operate a vehicle.

In Arkansas, a person's driving record, or motor vehicle report (MVR), is a comprehensive document that records the individual's driving history. This includes any DUI (Driving Under the Influence) or DWI (Driving While Intoxicated) convictions, as well as any instances of driver's license suspensions or revocations, motor vehicle accidents, and traffic violations. Similar to a credit report's role in loan approvals, a driving record is used by auto insurance companies to assess the risk associated with insuring a driver, which in turn influences the driver's insurance rates. A DUI/DWI conviction can lead to a significant increase in insurance premiums, and multiple DUI/DWI convictions can further escalate insurance costs or even result in difficulty obtaining insurance. Arkansas law stipulates that DUI/DWI offenses and other serious infractions will remain on a driver's record for a specific period, impacting their insurance rates and driving privileges during that time.