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 Iowa, a person's driving record, or motor vehicle report (MVR), is a comprehensive document that records various driving-related incidents. This includes DUI/DWI (Driving Under the Influence/Driving While Intoxicated) convictions, driver's license suspensions or revocations, 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, which in turn influences the driver's insurance rates. A DUI/DWI conviction can lead to a significant increase in insurance premiums. Moreover, multiple DUI/DWI convictions can not only raise insurance costs but also pose challenges for drivers when trying to obtain the necessary insurance to legally operate a vehicle in Iowa. The state's regulations are designed to penalize unsafe driving behaviors and encourage road safety, and the impact on insurance rates reflects the increased risk that drivers with poor records pose to insurers.