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 North Carolina, a person's driving record, or motor vehicle report (MVR), is a comprehensive document that records the driver's history of DUI/DWI 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 crucial for automobile insurance companies to assess risk and determine insurance rates. A DUI/DWI conviction can lead to a significant increase in insurance premiums. Multiple DUI/DWI convictions can further exacerbate the situation, potentially making it challenging for the driver to obtain the necessary insurance to legally operate a vehicle. North Carolina takes DUI/DWI offenses seriously, and these convictions can remain on a driver's record for an extended period, affecting insurance costs and driving privileges.