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 Ohio, a person's driving record, or motor vehicle report (MVR), is a comprehensive document that records various driving-related incidents. 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 approvals, 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. Moreover, multiple DUI/DWI convictions can not only further raise insurance costs but also pose challenges in obtaining the necessary insurance to legally operate a vehicle. Ohio law stipulates that DUI/DWI offenses are serious, and the penalties can include fines, jail time, and mandatory treatment programs, all of which are also likely to be reflected in the driver's MVR and considered by insurance providers.