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 Colorado, a person's driving record, or motor vehicle report (MVR), is a comprehensive document that records various aspects of their driving history. This includes any convictions for driving under the influence (DUI) or driving while impaired (DWI), as well as any incidents of driver's license suspension or revocation, motor vehicle accidents, and traffic violations. Similar to a credit report's role in loan approval processes, a driving record is used by auto insurance companies to assess the risk associated with insuring a driver. The presence of a DUI/DWI conviction, license suspension, or other serious traffic infractions typically leads to higher insurance premiums. Multiple DUI/DWI convictions can further escalate insurance costs and may even result in difficulty obtaining the necessary insurance to legally operate a vehicle in Colorado. Insurance companies use this information to calculate rates based on the perceived risk that a driver poses, with a poorer driving record indicating a higher risk and therefore higher insurance costs.