{"id":8681,"date":"2024-11-10T23:58:52","date_gmt":"2024-11-11T07:58:52","guid":{"rendered":"\/wp-site\/?p=8681"},"modified":"2025-03-20T11:45:07","modified_gmt":"2025-03-20T18:45:07","slug":"what-is-a-motor-vehicle-report","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/car-insurance\/what-is-a-motor-vehicle-report\/","title":{"rendered":"What Is a Motor Vehicle Report (MVR)?"},"content":{"rendered":"\n<p>A motor vehicle report (MVR) is an official document issued by your state\u2019s Department of Motor Vehicles (DMV) that summarizes your driving history. It includes details like your license status, traffic violations and accidents, and is often requested by insurance companies.<\/p>\n\n\n\n<p>Knowing what\u2019s in your MVR and how to access it can help you avoid inaccuracies that could raise your <a href=\"\/car-insurance\/\">car insurance<\/a> premium.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-in-a-mvr\">What is in a motor vehicle report?<\/h2>\n\n\n\n<p>A motor vehicle report (MVR) is a comprehensive document that includes everything from your personal information to your driving history over the last five to 10 years. It generally includes details such as your:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Name.<\/li>\n\n\n\n<li>Date of birth.<\/li>\n\n\n\n<li>Driver license number, suspensions and points.<\/li>\n\n\n\n<li>Accidents.<\/li>\n\n\n\n<li>Traffic violations.<\/li>\n\n\n\n<li>DUI convictions.<\/li>\n<\/ul>\n\n\n\n<p>Each state\u2019s DMV issues and maintains MVRs \u2014 they\u2019re not administered by a federal agency. MVRs are most often used by insurance companies, but can also be obtained by other organizations such as government agencies and law enforcement officers.<\/p>\n\n\n\n<p>Essentially, an MVR states whether a person has a clean record. It may also include personally identifying information (PII) like your hair color, weight and height.<\/p>\n\n\n\n<p>Actual accident reports and license suspensions are also listed in your MVR. In some states, the MVR includes the status of child support payments, which can impact driving privileges.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-check-your-record\">How to check your driving record<\/h2>\n\n\n\n<p>Drivers can request a copy of their MVR through their local driver services agency. You can request two types of MVRs:<\/p>\n\n\n\n<p><strong>Certified MVRs: <\/strong>These are typically used in legal matters or job interviews. To get a copy of your certified MVR from your DMV, submit a request online, by mail or in-person. You\u2019ll typically pay a fee.<\/p>\n\n\n\n<p><strong>Uncertified MVRs: <\/strong>These are used more casually; insurers may use these to estimate your premium. You can request a digital copy from your DMV.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How to spot errors on your MVR<\/h3>\n\n\n\n<p>If you receive a copy of your MVR and find an error, such as a wrongfully attributed accident or violation, you can formally dispute it with your state\u2019s DMV or insurance department.<\/p>\n\n\n\n<p>The process varies by state, but when you file a dispute, you\u2019ll likely need to provide your driver\u2019s license and vehicle information. It can help to provide evidence that supports your claim.<\/p>\n\n\n\n<p>Because the state has to research your case, it may take a while for your MVR to be updated.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-mvr-affects-insurance\">How your MVR affects car insurance rates<\/h2>\n\n\n\n<p>Your driving record is a major factor that insurers use to determine your premium. <\/p>\n\n\n\n<p>Here are the average monthly and annual rates that Jerry customers with a clean driving record have been quoted for full coverage.<\/p>\n\n\n\n<div data-show-load-more=\"false\" class=\"group wp-block-jerry-live-table\" data-wp-context=\"{&quot;data&quot;:[{&quot;averagePremiumAfterJerry&quot;:&quot;$277&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$3,319&quot;}],&quot;isExpandable&quot;:false,&quot;isExpanded&quot;:true,&quot;limitForExpanding&quot;:null,&quot;searchText&quot;:null}\" data-wp-interactive=\"jerry\/live-table\" data-wp-init=\"callbacks.onInit\" data-wp-bind--data-show-load-more=\"state.showLoadMore\">\n  \n  <div class=\"relative max-md:mx-full-bleed block\">\n    <figure class=\"live-table-header wp-block-table sticky top-0 z-[2] !overflow-x-hidden bg-white md:static\">\n      <table>\n            <thead >\n      <tr>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Annual Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n          <\/table>\n    <\/figure>\n\n    <figure class=\"live-table-body wp-block-table overflow-auto group-data-[show-load-more=true]:pb-4\">\n      <table>\n            <thead class=\"pointer-events-none invisible select-none leading-[0]\">\n      <tr>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Annual Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n            <tbody>\n          <template data-wp-each=\"state.displayData\">\n            <tr>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\"><\/td>\n                          <\/tr>\n          <\/template>\n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$277<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$3,319<\/td>\n                          <\/tr>\n          \n        <\/tbody>\n      <\/table>\n    <\/figure>\n\n      <\/div>\n\n  \n  \n      <div class=\"flex flex-row my-3 gap-2 items-center font-body text-slate-500\">\n      <span class=\"iconify i--refresh text-sm\"><\/span>\n      <span class=\"text-xs\">Last Updated Dec. 7, 2025<\/span>\n    <\/div>\n  <\/div>\n\n\n\n<p>Here are the average rates that Jerry customers with an accident on their record have been quoted for full coverage, according to Jerry\u2019s quote data.<\/p>\n\n\n\n<div data-show-load-more=\"false\" class=\"group wp-block-jerry-live-table\" data-wp-context=\"{&quot;data&quot;:[{&quot;averagePremiumAfterJerry&quot;:&quot;$258&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$3,094&quot;,&quot;accidentType&quot;:&quot;&quot;},{&quot;averagePremiumAfterJerry&quot;:&quot;$315&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$3,784&quot;,&quot;accidentType&quot;:&quot;Not At Fault&quot;},{&quot;averagePremiumAfterJerry&quot;:&quot;$291&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$3,489&quot;,&quot;accidentType&quot;:&quot;At Fault With Injury&quot;},{&quot;averagePremiumAfterJerry&quot;:&quot;$351&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$4,210&quot;,&quot;accidentType&quot;:&quot;At Fault With No Injury&quot;}],&quot;isExpandable&quot;:false,&quot;isExpanded&quot;:true,&quot;limitForExpanding&quot;:null,&quot;searchText&quot;:null}\" data-wp-interactive=\"jerry\/live-table\" data-wp-init=\"callbacks.onInit\" data-wp-bind--data-show-load-more=\"state.showLoadMore\">\n  \n  <div class=\"relative max-md:mx-full-bleed block\">\n    <figure class=\"live-table-header wp-block-table sticky top-0 z-[2] !overflow-x-hidden bg-white md:static\">\n      <table>\n            <thead >\n      <tr>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Annual Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    At-fault Accident on Record  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n          <\/table>\n    <\/figure>\n\n    <figure class=\"live-table-body wp-block-table overflow-auto group-data-[show-load-more=true]:pb-4\">\n      <table>\n            <thead class=\"pointer-events-none invisible select-none leading-[0]\">\n      <tr>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Annual Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    At-fault Accident on Record  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n            <tbody>\n          <template data-wp-each=\"state.displayData\">\n            <tr>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.accidentType\"><\/td>\n                          <\/tr>\n          <\/template>\n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$258<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$3,094<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.accidentType\"><\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$315<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$3,784<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.accidentType\">Not At Fault<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$291<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$3,489<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.accidentType\">At Fault With Injury<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$351<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$4,210<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.accidentType\">At Fault With No Injury<\/td>\n                          <\/tr>\n          \n        <\/tbody>\n      <\/table>\n    <\/figure>\n\n      <\/div>\n\n  \n  \n      <div class=\"flex flex-row my-3 gap-2 items-center font-body text-slate-500\">\n      <span class=\"iconify i--refresh text-sm\"><\/span>\n      <span class=\"text-xs\">Last Updated Dec. 8, 2025<\/span>\n    <\/div>\n  <\/div>\n\n\n\n<p>Here are the average rates that Jerry customers with a violation on their record have been quoted for full coverage.<\/p>\n\n\n\n<div data-show-load-more=\"false\" class=\"group wp-block-jerry-live-table\" data-wp-context=\"{&quot;data&quot;:[{&quot;violationDescription&quot;:&quot;Illegal Turn&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$367&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$4,404&quot;},{&quot;violationDescription&quot;:&quot;Wrong Way\\\/Wrong Lane&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$358&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$4,292&quot;},{&quot;violationDescription&quot;:&quot;Improper Passing&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$351&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$4,214&quot;},{&quot;violationDescription&quot;:&quot;Careless Driving&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$349&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$4,189&quot;},{&quot;violationDescription&quot;:&quot;Failure to Obey Traffic Sign&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$341&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$4,091&quot;},{&quot;violationDescription&quot;:&quot;Racing\\\/Drag Racing&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$333&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$3,994&quot;},{&quot;violationDescription&quot;:&quot;Speeding over 15&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$331&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$3,967&quot;},{&quot;violationDescription&quot;:&quot;Passing School Bus&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$329&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$3,949&quot;},{&quot;violationDescription&quot;:&quot;Suspension&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$320&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$3,837&quot;},{&quot;violationDescription&quot;:&quot;Leaving scene of an Accident\\\/Hit and Run&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$318&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$3,812&quot;}],&quot;isExpandable&quot;:false,&quot;isExpanded&quot;:true,&quot;limitForExpanding&quot;:null,&quot;searchText&quot;:null}\" data-wp-interactive=\"jerry\/live-table\" data-wp-init=\"callbacks.onInit\" data-wp-bind--data-show-load-more=\"state.showLoadMore\">\n  \n  <div class=\"relative max-md:mx-full-bleed block\">\n    <figure class=\"live-table-header wp-block-table sticky top-0 z-[2] !overflow-x-hidden bg-white md:static\">\n      <table>\n            <thead >\n      <tr>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Violation Summary  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Annual Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n          <\/table>\n    <\/figure>\n\n    <figure class=\"live-table-body wp-block-table overflow-auto group-data-[show-load-more=true]:pb-4\">\n      <table>\n            <thead class=\"pointer-events-none invisible select-none leading-[0]\">\n      <tr>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Violation Summary  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Annual Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n            <tbody>\n          <template data-wp-each=\"state.displayData\">\n            <tr>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.violationDescription\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\"><\/td>\n                          <\/tr>\n          <\/template>\n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.violationDescription\">Illegal Turn<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$367<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$4,404<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.violationDescription\">Wrong Way\/Wrong Lane<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$358<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$4,292<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.violationDescription\">Improper Passing<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$351<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$4,214<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.violationDescription\">Careless Driving<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$349<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$4,189<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.violationDescription\">Failure to Obey Traffic Sign<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$341<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$4,091<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.violationDescription\">Racing\/Drag Racing<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$333<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$3,994<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.violationDescription\">Speeding over 15<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$331<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$3,967<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.violationDescription\">Passing School Bus<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$329<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$3,949<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.violationDescription\">Suspension<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$320<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$3,837<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.violationDescription\">Leaving scene of an Accident\/Hit and Run<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$318<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$3,812<\/td>\n                          <\/tr>\n          \n        <\/tbody>\n      <\/table>\n    <\/figure>\n\n      <\/div>\n\n  \n  \n      <div class=\"flex flex-row my-3 gap-2 items-center font-body text-slate-500\">\n      <span class=\"iconify i--refresh text-sm\"><\/span>\n      <span class=\"text-xs\">Last Updated Dec. 10, 2025<\/span>\n    <\/div>\n  <\/div>\n\n\n\n<p>Your driving record is always being updated, so your premium could change when your policy is up for renewal.<\/p>\n\n\n\n<p>A clean driving record will help you maintain the best rates possible. Your insurer may also offer rewards and <a href=\"\/car-insurance\/car-insurance-discounts\/\">discounts<\/a> for good driving habits.<\/p>\n\n\n\n<p>Your location, your gender, your credit history, and your coverage level also affect your insurance costs.&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-separator-jerry-default\"\/>\n\n\n\n<p><strong>Learn more:<\/strong> <a href=\"\/car-insurance\/how-is-car-insurance-calculated\/\">How are car insurance rates calculated?<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-separator-jerry-default\"\/>\n\n\n\n<p>Get quotes from multiple companies to find the best rate for your given record.<\/p>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\">Jerry finds quotes from 50 insurance partners fast.<\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">COMPARE QUOTES<\/a><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">How long can an MVR or violation affect my insurance rates?<\/h3>\n\n\n\n<p>Typically, violations on your MVR last between three and five years. This timeline can vary depending on your state. There are two types of driving records:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Lifetime:<\/strong> The length of a lifetime record includes your entire lifetime of driving history.<\/li>\n\n\n\n<li><strong>Standard:<\/strong> A standard record includes only the last five to 10 years of your driving history.<\/li>\n<\/ul>\n\n\n\n<p>Some states maintain lifetime records and standard records, but most only keep standard records. Auto insurance companies regularly check your MVR when your policy is up for renewal, and any violations can influence your premium costs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"who-can-view-your-mvr\">Who can view your MVR?<\/h2>\n\n\n\n<p>Others usually need your written consent to access your MVR thanks to the <a href=\"https:\/\/www.supremecourt.gov\/opinions\/URLs_Cited\/OT2012\/12-25\/12-25.PDF\" target=\"_blank\" rel=\"noreferrer noopener\">Driver Privacy Protection Act<\/a> (DPPA). In most cases, the person requesting access has to identify themselves to you, explain why they want to access your MVR and get your permission.<\/p>\n\n\n\n<p>However, government agencies, law enforcement, security, insurance companies and nonprofit motor vehicle market research organizations do not need permission to view your MVR. Employers and school admissions offices are examples of entities that need your permission to view your record.<\/p>\n\n\n\n<p>Accessing an MVR is not the same as sharing your personal identifying information (PII). The DPPA prohibits requesters from disclosing your PII or contacting you after viewing your MVR.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-maintain-a-clean-record\">How to maintain a clean driving record<\/h2>\n\n\n\n<p>The best way to keep a clean MVR is to practice safe driving habits. Avoid violations, accidents, and convictions that would blemish your record, such as speeding tickets or failure to stop citations. If you receive a ticket, make sure to pay it on time.<\/p>\n\n\n\n<p>If you already have marks on your record, there are two steps you can take to help clear your history:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Wait it out:<\/strong> Most violations naturally fall off your record after a period of time \u2014 usually three to five years \u2014 but severe violations may stay on for longer.<\/li>\n\n\n\n<li><strong>Prove yourself: <\/strong>Some drivers may be eligible for a <a href=\"\/car-insurance\/car-insurance-discounts\/\" data-type=\"car-insurance\" data-id=\"6857\">defensive driving<\/a> class, which can erase points from their record. In states without a points system, drivers may be able to take a defensive driving course to have their fines reduced or a ticket dismissed.<\/li>\n<\/ol>\n\n\n\n<div class=\"!mbs-12 !mbe-12 wp-block-jerry-faqs wp-block-jerry-faqs\">\n  <!-- Title -->\n    <h2 class=\"medium-title text-black mb-1.5 pt-12 uppercase\">\n    FAQ  <\/h2>\n  \n  <!-- Accordion -->\n  \n<div class=\"max-w-screen-lg my-6 [&amp;_li:last-child]:border-b-0\">\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        How often do car insurance companies check your driving record?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Insurers assess your driving record when you apply for coverage or renew your policy. This means that if you\u2019re involved in an accident during your policy term, any changes to your rates won\u2019t take effect until your policy is up for renewal.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Are motor vehicle records public?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Access to motor vehicle records is generally restricted to individuals seeking their own information. Certain agencies, organizations and individuals are allowed to access MVRs without permission.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n<\/div>\n\n  <!-- Contact link -->\n  <\/div>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/11\/Megan-Lee.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/11\/Megan-Lee.png 250w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-150x150.png 150w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-56x56.png 56w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Megan Lee            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Megan Lee is an editor, writer, and SEO expert who specializes in insurance, personal finance, travel, and healthcare. She has been published in U.S. News &amp; World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for several websites, including NerdWallet. When she`s not crafting her next piece of content, Megan adventures around her Midwest home base where she likes to drink cortados, attend theme parties, ride her bike and cook Asian food.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/12\/Annie-Millerbernd.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/12\/Annie-Millerbernd.png 250w, \/wp-content\/uploads\/2024\/12\/Annie-Millerbernd-150x150.png 150w, \/wp-content\/uploads\/2024\/12\/Annie-Millerbernd-56x56.png 56w, \/wp-content\/uploads\/2024\/12\/Annie-Millerbernd-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Annie Millerbernd            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by <a href=\"https:\/\/scholarlycommons.law.northwestern.edu\/cgi\/viewcontent.cgi?article=1455&amp;context=nulr\" target=\"_blank\" rel=\"noopener\">Northwestern University<\/a> and <a href=\"https:\/\/www.hks.harvard.edu\/sites\/default\/files\/centers\/mrcbg\/214_AWP_final_2.pdf\" target=\"_blank\" rel=\"noopener\">Harvard Kennedy School<\/a>. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.<\/p>\n<p>Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor&rsquo;s degree in journalism from the University of Minnesota.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A MVR summarizes your driving history, including traffic violations and accidents.<\/p>\n","protected":false},"author":19,"featured_media":63340,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"single-advice","meta":{"jerry_authors":"[{\"id\":\"366\",\"type\":\"main-author\"},{\"id\":\"370\",\"type\":\"editor\"}]","jerry_author_ids":[366],"jerry_idx_page_label":"","jerry_meta_desc":"A motor vehicle report is a comprehensive record of your time as a driver that can be requested by insurance companies and employers to determine eligibility.","jerry_related_posts":"[34811,5990,34167,34522,32459]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"yes","_lmt_disable":"","footnotes":""},"categories":[645],"tags":[161,166,530],"class_list":["post-8681","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","category-car-insurance","tag-dmv","tag-driving-record","tag-insurance-records"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/8681","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=8681"}],"version-history":[{"count":15,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/8681\/revisions"}],"predecessor-version":[{"id":63339,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/8681\/revisions\/63339"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/63340"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=8681"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=8681"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=8681"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}