How a DUI and DWI Affect Your Auto Insurance Rate (2024)

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.

UPDATED: Sep 20, 2024Fact Checked

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Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications.  As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...

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Brandon Frady

Licensed Insurance Agent

Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...

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UPDATED: Sep 20, 2024

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UPDATED: Sep 20, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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