DWI vs. DUI: Car Insurance Terms Explained (2025)

In the dynamic landscape of auto insurance, finding the right balance between coverage and affordability hinges on various factors such as credit score, mileage, coverage level, and driving record. Our comprehensive analysis of leading insurance companies unveils a nuanced comparison, revealing insights that cater to diverse customer profiles. Whether you possess an excellent credit score, maintain low mileage, seek comprehensive coverage, or boast a pristine driving record, our data-driven exploration identifies the standout company for each scenario. This succinct guide offers a quick, informative snapshot, guiding readers towards the insurance provider that best aligns with their specific needs and circumstances.

DWI

Pros:

• Clear Definition: DWI, or Driving While Intoxicated, typically involves alcohol or drug impairment, providing a straightforward legal understanding.
• Strict Penalties: DWI convictions often come with strict penalties, acting as a deterrent and promoting road safety.
• Consistency Across States: The term DWI is widely recognized, contributing to consistent enforcement and understanding of the offense.

Cons:

• Varying State Laws: While DWI is consistent, penalties and definitions may still vary across states, leading to potential confusion.
• Limited Substance Scope: DWI primarily addresses alcohol and drugs, potentially overlooking impairment from other substances.

DUI

Pros:

• Broad Scope: DUI, or Driving Under the Influence, encompasses a wider range of substances, addressing impairment beyond alcohol and drugs.
• Blood Alcohol Concentration (BAC) Focus: DUI charges often hinge on exceeding BAC limits, providing a measurable standard for law enforcement.
• Interchangeable Terms: Some states use DUI and DWI interchangeably, offering flexibility in terminology.

Cons:

• Potential Ambiguity: The broader scope of DUI may lead to ambiguity in enforcement, as it covers various substances.
• Varied State Terminology: While some states use DUI interchangeably with DWI, others distinguish between the two, creating inconsistency in legal language.

What is the difference between DWI and DUI?

DWI means driving while intoxicated (or impaired), but DUI stands for driving under the influence. DUI charges are usually issued when a person is caught driving over the blood alcohol concentration (BAC) limit. Meanwhile, DWI charges are presented to drivers who operate a vehicle while under the influence of either prescription drugs or recreational substances.

DWI vs. DUI: Which is worse?

Each state references DWI and DUI differently. In other words, some states may convict a guilty driver with DUI regardless of the substance. Both are equally bad news for your driving record and car insurance rates.

What are the DWI and DUI state laws?

Every state in the nation defines DWI and DUI differently. Some similarities are shared between states, but laws are presented in a unique way for each area in the country. Let’s look at a few examples to determine how various states define DWI and DUI.

DWI vs. DUI in Texas

Texas is one of many states with zero tolerance for DUI. Minors convicted of DUI usually have lighter sentences, regardless of the BAC limit. Texas charges DWI-convicted drivers over the age of 21 with strict penalties, such as fines, community service, and possible jail time.

DWI vs. DUI in Virginia

Virginia doesn’t distinguish between DWI and DUI. The state’s law enforcement uses both terms interchangeably. More DWI/DUI offenses on your driving record mean higher fines and longer sentences.

DWI vs. DUI in North Carolina

North Carolina uses DWI and DUI to identify drivers who are under the influence of alcohol, drugs, or other recreational substances. A person can receive a DWI charge even when not driving. Penalties depend on levels. Levels range from one to five (known as Aggravated Level one to Aggravated Level five), where level one is the most severe). Any person who gives keys to someone who is impaired will be charged with aiding and abetting a DWI individual.

DWI vs. DUI in New York

The state of New York utilizes DWI and DWAI (Driving While Ability Impaired). DWAI is usually a lesser charge and typically convicts drivers with a BAC limit of 0.05% – 0.07%. Both DWAI and DWI can land you in jail, depending on the severity of the crime.

DWI vs. DUI in California

California has a strict no-tolerance law for minors who commit a DUI offense. Any driver with an active driver’s license is subject to a BAC test, if a police officer suspects that they are intoxicated. A person who has a BAC limit of 0.08% or above, while driving a motor vehicle, will be charged with DUI. But drivers who drive under the influence of drugs are charged with DWI.

DWI vs. DUI in Missouri

Missouri is another state that doesn’t differentiate between DWI and DUI. Instead of DWI, Missouri references DUID (Driving Under the Influence of Drugs).

What are the penalties for DWI vs. DUI?

State laws and penalties vary for each state. For example, Arkansas has different penalties for DUI than Colorado. But all states are harsh on drivers who commit multiple DWIs or DUIs. Let’s examine the DWI and DUI penalties for each state.

DUI Penalties by State

Penalties become increasingly difficult the more you commit DWI or DUI offenses. You’ll also notice that some states use OWI and OUI. Indiana, Iowa, and Michigan reference OWI instead of DWI. OWI stands for operating while intoxicated, and OUI means operating under the influence.

Expect a DWI or DUI offense to accompany a suspended or revoked driver’s license. Drivers who retain their licenses are required to obtain an SR-22 certification.

How do DWI and DUI impact car insurance rates?

Some auto insurance companies may provide different rates for DWI and DUI offenses. But don’t count on DWI vs. DUI car insurance quotes being different. Drivers convicted of DWI or DUI will pay 37% – 80% more for auto insurance. You may not find DWI vs. DUI car insurance rates, but you can see how either conviction can affect your access to affordable rates.

Let’s review how much auto insurance costs when you have a DUI conviction.

Car Insurance Monthly Rates Based on Driving Record by Provider

We compared DUI car insurance rates with speeding infractions and accidents to give you an idea of how much DUI affects your policy. USAA, State Farm, and Progressive are the best insurance companies for drivers who have a DWI or DUI on their driving record.

How do I save money on DWI and DUI car insurance?

Several factors determine whether affordable DWI vs. DUI car insurance is available to you. But the best way to get affordable DUI auto insurance rates is to qualify for multiple discounts. Stacking your deals can save you hundreds of dollars. We recommend that you compare multiple companies before you buy DWI versus DUI car insurance.

Case Studies: DWI vs. DUI: Car Insurance Terms Explained

Case Study 1: John’s DWI Accident

In this case study, we examine John’s unfortunate accident while driving under the influence (DWI). John was pulled over by the police after being observed driving erratically and failing a breathalyzer test. As a result of his DWI, his car insurance rates skyrocketed, and he was required to pay significantly higher premiums.

Additionally, John’s insurance company dropped his coverage, making it difficult for him to find affordable insurance options.

Case Study 2: Sarah’s DUI Arrest

Sarah’s case highlights the consequences of a DUI arrest. She was charged with driving under the influence (DUI) after a routine traffic stop, where she failed a field sobriety test. As a result, Sarah’s car insurance rates increased significantly, and her insurance provider added a DUI surcharge to her premiums. Furthermore, her policy terms were revised, imposing strict conditions and limitations on her coverage.

Case Study 3: Michael’s DWI Conviction

In this case, Michael faced serious consequences due to a DWI conviction. After being found guilty of driving while intoxicated, his car insurance rates skyrocketed, surpassing his ability to afford coverage. As a result, he had to rely on non-standard insurance companies that offer coverage to high-risk drivers, but at much higher costs.

The financial strain caused by the DWI conviction significantly impacted Michael’s ability to maintain appropriate car insurance coverage.

Case Study 4: Emily’s DUI Crash

Emily’s case examines the aftermath of a DUI crash. She was involved in a serious accident while driving under the influence, resulting in injuries to herself and other parties involved. Emily’s car insurance company denied her claim due to her DUI offense, leaving her responsible for the extensive damages and medical expenses. Without insurance coverage, Emily faced significant financial burden and potential legal consequences.

Case Study 5: Mark’s DUI Suspension

Mark’s case sheds light on the impact of a DUI suspension on car insurance. After being arrested for a DUI, Mark’s driver’s license was suspended. As a result, his car insurance company canceled his policy, citing the suspension as a breach of the terms.

Without a valid driver’s license, Mark struggled to find affordable insurance options, and those available to him carried exorbitant premiums, making it extremely challenging for him to regain his driving privileges.

DWI vs. DUI Car Insurance: The Bottom Line

DWI and DUI may be defined differently in some areas, but some states don’t bother to separate the two. Zero-tolerance states usually have harsher sentences and fines for drivers who violate road laws. Auto insurance companies follow the same trend, by issuing more expensive rates or not providing coverage at all, for high-risk drivers with DWI or DUI convictions.

Now that you know the difference between DWI versus DUI, use our free online quote tool below to see multiple quotes from the best insurance companies in your area.