Driving Record

What Does Driving Record Mean?

A driving record contains a person’s driving and license history, including details such as license status, violations, criminal offenses related to driving, and any incidents involving vehicles. This record can impact insurance premiums. Driving history is one of the main factors insurers look at when setting car insurance rates, along with the type of vehicle and where the driver lives.

In Canada, a driving record is commonly referred to as a driver’s abstract.

Insuranceopedia Explains Driving Record

The number of years included in a driving record varies depending on the state. Violations are typically highlighted according to their severity, with more serious driving offenses marked more conspicuously than lighter ones. Insurance companies carefully review a person’s driving record before providing vehicle coverage. A driving record with multiple violations can lead to higher car insurance premiums. Even a single moving violation can raise your rates, and you can read more about how a speeding ticket affects your car insurance before it shows up on your record. Drivers with more serious offenses like a DUI may also be required to file an SR-22 form with their car insurance before they can legally get back on the road.