How DUI and DWI Affect Your Insurance Rate

The difference between a DWI vs. DUI is the substance causing the impairment. If you’re charged with driving under the influence (DUI), it typically means drugs, while driving while intoxicated (DWI) refers to alcohol. States sometimes use other terms like OWI (operating while intoxicated), but this phrase, DWI, and DUI are often interchangeable. Regardless of the wording, you’ll see an average increase of 58% in your rates and penalties like fines, license suspension, and jail time.

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UPDATED: Feb 13, 2022

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