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 Vermont, 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 financial transactions, a driving record is used by auto insurance companies to assess the risk of insuring a driver and to set insurance rates accordingly. A DUI/DWI conviction can lead to a significant increase in a driver's insurance premiums. Moreover, multiple DUI/DWI convictions can not only raise insurance costs but also pose challenges in obtaining the necessary insurance to legally operate a vehicle in Vermont. The state's Department of Motor Vehicles (DMV) maintains these records and they are accessible to insurance companies, which use them to evaluate the likelihood of future claims and to determine insurance pricing.