# What is driving record?

> A driving record is a state-maintained history that can include license status, traffic violations, convictions, and reportable accidents.

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An error or outdated item can affect eligibility or premium.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.

Coverage, definitions, limits, and legal requirements vary by policy and state. Your declarations page and policy forms control your coverage.

## Related terms

- [Insurance underwriting](https://locations.goautoinsurance.com/car-insurance-glossary/insurance-underwriting.md)
- [Car insurance rate](https://locations.goautoinsurance.com/car-insurance-glossary/car-insurance-rate.md)
- [Defensive driving discount](https://locations.goautoinsurance.com/car-insurance-glossary/defensive-driving-discount.md)

- [Car insurance guide](https://locations.goautoinsurance.com/car-insurance-guide.md)
- [Complete glossary](https://locations.goautoinsurance.com/car-insurance-glossary.md)