Average motor vehicle report fees continue to climb

Average fees for motor vehicle reports (MVRs) have surpassed $10 as they continue an upward march, according to the latest Verisk analysis, reaching $10.14 as of March 1, 2020, compared with roughly $7.64 ten years ago.

Despite rising costs, the usefulness of MVRs is expanding.

Our ten-year analysis of fees revealed that state registry fees increased 43 percent nationwide over the past decade, with MVR costs growing at an average annual rate of 3.3 percent. MVR costs vary widely by state, and 36 states increased MVR fees over the past decade.

Pay For The Mvrs You Need

Recent changes

Since the beginning of 2018, eight states have increased their fees. Increases for interactive records in 2019 and to date in 2020 were:

  • Pennsylvania, from $12 to $13 per record
  • Oregon, $10 to $11.83 per record
  • Arkansas, $10 to $11.50 per record
  • New Hampshire, $12 to $13 per record
  • Iowa, $8.50 to $10.30 per record

Pay For The Mvrs You Need

Appreciating the value of MVRs

Despite the challenge of rising costs, the usefulness of MVRs is undiminished—even expanding. The applications to reduce premium leakage, keep books of business clean, and support fleet risk management are well established. But there are still more benefits, some new and some that simply are worth keeping in mind.    

For example, life insurers can consider how MVRs might provide additional insight on mortality risk by identifying applicants’ potentially risky driving behaviors. And commercial fleet owners can potentially lower the risk of their vehicles being involved in accidents by flagging adverse driving history, both before and after hiring drivers.

Getting the most from your MVR dollar 

Balancing the expense of MVR reports with the need for them can be difficult, but a strategic approach can help. Verisk has tools that can be used throughout the policy life cycle—at point of sale, at renewal, and for ongoing monitoring—to steer insurers in the right direction. They include:

Verisk cost-containment tools cut one customer’s MVR costs by 37 percent, or $1.2 million. Lower underwriting expenditures—focused where they were needed—reduced the combined ratio while preserving the existing level of underwriting accuracy. And MVR spending was targeted at risks that required a surcharge, thereby generating more premium.

Verisk services also help insurers monitor driver records. These tools clearly communicate when an auto insurance customer is involved in driving-related adverse activity and can be used to trigger ordering an MVR for full details, saving expenditures on drivers with clean driving records.

Read more about balancing the expense and the need for MVRs.

Amanda Miles

Amanda Miles is the manager of auto products at Verisk. You can contact Amanda at

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