Motor Vehicle Record (MVR)
Insurance Glossary
The driving history a state keeps for each licensed driver, listing violations, accidents reported to the state, license suspensions and any points assessed. Insurers order it during underwriting and again at renewal, and it is the main source of the violations that affect an auto quote. How long an entry stays on the record and how far back an insurer may look are set separately by state law, so an item can remain visible after it stops affecting the price.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.
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