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 Missouri, a person's driving record, or motor vehicle report (MVR), is a comprehensive document that records various aspects of their driving history. 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, and multiple DUI/DWI convictions can pose a substantial challenge for a driver seeking to obtain the necessary insurance to legally operate a vehicle. Missouri law takes these offenses seriously, and the state's point system can lead to the suspension or revocation of driving privileges with an accumulation of points from convictions for these violations.