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 Texas, 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 loan approvals, a driving record is used by auto insurance companies to assess the risk associated with 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. Multiple DUI/DWI convictions can further escalate insurance costs and may even result in difficulty obtaining the necessary insurance to legally operate a vehicle in Texas. Insurance companies consider individuals with such convictions to be high-risk drivers, and this is reflected in their insurance policies and pricing.