What is an MVR?

Your MVR, or motor vehicle record, has information regarding your driving history from Florida's department of motor vehicles. Better known as your driving record, your MVR includes any moving violations, traffic tickets, and accidents you've had throughout your driving history.

What information is included on an MVR?

Your motor vehicle record contains important information about you like your name, date of birth, and driver's license number. Your MVR also includes any motor vehicle incidents you've had, including traffic citations, license suspensions, DUI convictions, and accident reports. The state of Florida uses a point system to track various driving violations, and so do insurance companies. A lot of drivers are aware of this system — it's often referred to as the "points on your license."

Keep in mind that these points apply to your MVR score, not your license. If you build up too many points, you could lose your license or face other consequences like mandated driving classes. Your MVR score is the number of points you've acquired on your driving record.

What is an MVR check?

A motor vehicle record check, or an MVR check, is a report of your driving history, usually requested by an insurance company when you are finalizing an insurance quote.

How long do violations remain on your driving record?

Most violations like speeding tickets tend to "fall off" your record quickly, often within 3-5 years. More serious events like at-fault accidents or DUI convictions may remain on your record for significantly longer.

How does an MVR impact car insurance?

Auto insurance companies use your MVR, along with several other factors, to determine your insurance rates and coverage eligibility. Your driving history is a significant factor in determining your car insurance rate. If you have a history of getting speeding tickets or causing accidents, insurance companies will typically charge you more for insurance because you're more likely to file an auto insurance claim. However, minor violations will generally have less of an impact on your car insurance rate than a more serious event like an at-fault accident. Get an auto insurance quote today and find the coverage you need at a price that works for you.

How can you check your driving record?

You can request a copy of your MVR from Florida's department of motor vehicles. There is a small fee to issue a copy. You may be able to request your MVR online or by mail. Check Florida's DMV website to find out how to request a personal copy of your MVR.

Like your credit report, your MVR is worth checking every so often for inaccurate statements. For example, if you took a defensive driving class to reduce the number of points issued after a ticket, check your MVR to ensure the change was made. If not, you'll need to reach out to the DMV to update your MVR.