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 New Mexico (NM), a person's driving record, or motor vehicle report (MVR), is a comprehensive document that records the driver's history of DUI/DWI convictions, 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 risk and determine insurance premiums. A DUI/DWI conviction can lead to a significant increase in insurance rates. 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. New Mexico state statutes and federal laws dictate the retention periods for various offenses on a driving record, and these records are maintained by the New Mexico Motor Vehicle Division (MVD). Insurance companies use this information, along with other factors, to calculate insurance rates, and drivers with poor driving records may face higher costs or difficulty securing insurance coverage.