Car insurance glossary
What is driving record?
A driving record is a state-maintained history that can include license status, traffic violations, convictions, and reportable accidents.
Also called: motor vehicle record
Glossary date: June 22, 2026
How it works
Insurers may use permitted driving-record information for underwriting and pricing. Reporting periods and treatment differ by state and insurer.
Example
A citation appears on a motor vehicle record and is considered when the policy renews under the insurer's filed rules.
Why it matters
An error or outdated item can affect eligibility or premium.
What to check on your policy
Request your record from the state agency, review it for mistakes, and follow the agency's correction process when needed.
Related car insurance terms
Put the terms into context
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