DWI vs. DUI: Auto Insurance Explained [2024]
Exploring the nuances between DWI and DUI, the distinction often hinges on state definitions, with some exclusively using one term and others employing both to categorize drivers under the influence of alcohol or drugs, unveiling a complex landscape of penalties ranging from fines to jail time and license suspension.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Jan 9, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one 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 insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one 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 insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Navigating the intricate landscape of DWI vs. DUI: Auto Insurance requires a strategic approach to secure not just coverage, but optimal rates tailored to individual profiles. As we delve into this comparison, our focus is on finding the best insurance company that excels in coverage rates, diverse options, enticing discounts, and stellar customer reviews. Uncover insights that reveal which company stands out in providing the most advantageous rates for distinct customer profiles, ensuring you make an informed decision that aligns with your specific needs and circumstances. In this comprehensive guide, we spotlight the top contenders in the industry, empowering you to navigate the complexities of DWI and DUI auto insurance with confidence.
DWI
Pros:
- Specialized coverage options for drivers with a DWI incident.
- Competitive rates tailored to the specific needs of DWI-affected individuals.
- Clear and straightforward information on available discounts.
- Positive customer feedback regarding the company’s responsiveness and support.
- Financial stability enhances the company’s reliability for policyholders.
Cons:
- Limited coverage availability in certain states or regions.
- Eligibility criteria for discounts may have strict requirements.
- Variable customer service responsiveness, particularly during peak hours.
- Reports of occasional delays in the claims resolution process.
- Discount availability and terms may vary depending on the policyholder’s location.
Read more: DWI: Auto Insurance Explained
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DUI
Pros:
- Specialized coverage options are designed for drivers with a DUI incident.
- Competitive rates are tailored to the specific needs of individuals with DUI on their record.
- Clear and accessible information regarding available discounts.
- Positive customer reviews highlight the company’s responsive customer service.
- Financial stability contributes to the company’s overall reliability.
Cons:
- Limited coverage availability in certain states or regions.
- Strict eligibility criteria for some discounts.
- Variable customer service responsiveness, especially during peak times.
- Occasional reports of delays in the claims resolution process.
- Discount availability and terms may vary based on the policyholder’s location.
DWI vs. DUI: What’s the Difference?
DWI and DUI are similar but not the same. DWI stands for driving while intoxicated or impaired, while DUI stands for driving under the influence. “Under the influence” typically refers to the use of alcohol or drugs, including prescription drugs or over-the-counter medications if they are causing impairment.
Rates: DUI Insurance Company consistently offers competitive rates, ensuring that drivers with a history of DWI or DUI convictions can find affordable coverage. Their commitment to providing reasonable premiums sets them apart in the industry.
Coverage Options: With a comprehensive range of coverage options, DUI Insurance Company caters to the diverse needs of individuals with DWI or DUI convictions. Their flexibility allows policyholders to choose plans that align with their specific requirements, providing a customized and robust coverage experience.
Discounts: DUI Insurance Company goes above and beyond in offering enticing discounts, recognizing the challenges that individuals with DWI or DUI convictions may face. Their commitment to helping policyholders save makes them a standout choice for those seeking affordability without compromising on coverage.
Customer Reviews: Customer satisfaction is a key indicator of an insurance company’s performance. DUI Insurance Company boasts stellar customer reviews, indicating a high level of customer satisfaction. Their dedication to providing excellent service and support to policyholders further solidifies their position as the top choice.
State-by-State DWI vs. DUI Definitions
In many cases, states will charge a driver with a DUI if their blood-alcohol content (BAC) level is higher than 0.08%. If a driver’s BAC level is more than 0.15%, this could significantly increase the penalties. In addition to fines and mandatory jail time, the consequences for DWI and DUIs are often license suspension, license revocation, and alcohol education or treatment.
Let’s take a look at the definitions and penalties for a variety of US states:
DWI vs. DUI Arkansas: Uses DUI and DWI terminology
- First offense: Up to $1,000 fine, up to a year in jail, license suspended for six months, and alcohol treatment
- Second offense: Up to $3,000 fine, up to a year in jail, license suspended for two years, and alcohol treatment
- Third offense: Maximum penalty and considered a felony
DWI vs. DUI Colorado: Uses DUI terminology
- First offense: Up to $1,000 fine, up to a year in jail, license suspended for nine months, community service, and points on your driving record
- Second offense: Up to $1,500 fine, up to a year in jail, license suspended for one year, community service, and points on your driving record
- Third offense: Up to $1,500 fine, up to a year in jail, license suspended for two years, community service, and points on your driving record
DWI vs. DUI Idaho: Uses DUI terminology
- First offense: Minimum $1,000 fine, up to a year in jail, and license suspended for three months
- Second offense: Minimum $2,000 fine, up to five years in jail, and license suspended for one year
- Third offense: Up to $5,000 fine, up to 10 years in jail, and license suspended for up to five years
DWI vs. DUI Illinois: Uses DUI terminology
- First offense: Up to $2,500 fine, up to a year in jail, license suspended for one year, and community service
- Second offense: Up to $2,500 fine, up to a year in jail, license suspended for five years, and community service
- Third offense: Up to $25,000 fine, up to seven years in jail, license suspended for ten years, and community service
DWI vs. DUI New York: Uses DUI terminology
- First offense: Up to $2,500 fine, up to a year in jail, and license suspended for at least a year
- Second offense: Up to $5,000 fine, up to four years in jail, and license suspended for at least 18 months
- Third offense: Up to $10,000 fine, up to seven years in jail, and license suspended for at least 19 months
DWI vs. DUI North Carolina: Uses DUI and DWI terminology
- All offenses are BAC level-based
DWI vs. DUI Virginia: Uses DUI and DWI terminology
- First offense: Up to $2,500 fine, up to a year in jail, and license suspended for a year
- Second offense: Up to $2,500 fine, up to a year in jail, and license suspended for three years
- Third offense: Up to $2,500 fine, up to 180 days in jail, and license suspended indefinitely
All the states vary in their laws. The state may also have differing BAC level requirements, so even though most states consider a BAC of 0.08% as impaired, others may consider a BAC of 0.05% as impaired.
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How Does a DWI or DUI Affect Auto Insurance Rates?
In addition to the consequences listed above, you may also see an increase in your auto insurance rates. Let’s look at the average annual auto insurance rates after one DUI:
Average Monthly Auto Insurance Rates with One DUI
| Company | Average Monthly Rates with Clean Record | Average Monthly Rates with 1 DUI |
|---|---|---|
| Allstate | $318.33 | $521.73 |
| American Family | $224.47 | $360.85 |
| Farmers | $288.38 | $393.23 |
| Geico | $178.83 | $406.32 |
| Liberty Mutual | $397.86 | $634.46 |
| Nationwide | $228.85 | $378.60 |
| Progressive | $282.76 | $330.80 |
| State Farm | $235.10 | $303.07 |
| Travelers | $287.31 | $478.45 |
| USAA | $161.14 | $292.17 |
Compared to drivers with a clean record, drivers with at least one DUI could pay up to double the amount on auto insurance, depending on which auto insurance company they choose.
Compared to drivers with a clean record, drivers with at least one DUI could pay a rate increase of up to double the amount on auto insurance, depending on which auto insurance company they choose.
After a DUI, you will likely be labeled as a high-risk driver. Some high-risk drivers have to provide their state with an SR-22 form, which is a form that proves that the driver has the proper auto insurance. If you are required to have SR-22 insurance, your auto insurance rates may increase.
How do Insurance Companies Find out About a DUI?
Your insurer may find out about your DUI convictions when they’re renewing your policy. They usually check your driving record at that time, and the record shows recent DUI convictions. If you don’t tell your insurance company about a drunk driving conviction, they won’t be able to raise your rates, but they might drop you altogether.
The best thing you could do is be honest with the insurance company because you might need to ask them to file an SR-22 or FR-44 form for you. You must complete these forms to prove you have the state’s minimum liability car insurance, and if you want to keep your license.
The Bottom Line
If you get caught drunk driving, you could be fined and lose your license for up to 5 years. Whether the charge is for DUI or DWI, you may need to get an SR-20 form from an insurance company to regain your driving privileges if you’re convicted of a moving violation.
Rates go up because a driver convicted of driving under the influence typically poses a greater risk. Your insurer will find out about your situation through your state’s Department of Motor Vehicles (DMV) and your driving record, so we advise you to get out ahead of things and alert your auto insurance company.
You could end up paying twice as much for coverage, often more on average e, we found a single DUI raised car insurance premiums by 72%.
Enter your ZIP code into our free quote comparison tool below to find an auto insurance company for drivers with a DUI.
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Frequently Asked Questions
How does a DWI or DUI conviction affect auto insurance rates?
A DWI or DUI conviction typically has a significant impact on auto insurance rates. Insurance providers view individuals with a history of impaired driving as high-risk policyholders, which often leads to increased premiums. The precise rate increase will depend on several factors, including the insurance company’s policies, the severity of the offense, and the driver’s previous record.
How long will a DWI or DUI conviction affect my auto insurance rates?
The duration for which a DWI or DUI conviction affects auto insurance rates varies among insurance companies and jurisdictions. Generally, the impact can last for several years, typically ranging from three to ten years.
Can I find auto insurance coverage after a DWI or DUI conviction?
Yes, it is possible to find auto insurance coverage after a DWI or DUI conviction. However, obtaining coverage might be more challenging and expensive due to the increased risk associated with impaired driving. Some insurance companies specialize in providing coverage to high-risk drivers, but the premiums are likely to be considerably higher compared to drivers without a DWI or DUI conviction.
Will installing an ignition interlock device affect my auto insurance rates?
Installing an ignition interlock device (IID) might have an impact on auto insurance rates, but it can vary depending on the insurance provider. Some companies may offer a discount for installing an IID since it demonstrates a commitment to responsible driving. It is advisable to check with your insurance provider to determine if they offer any specific discounts or adjustments for having an IID.
Will attending alcohol education programs help lower auto insurance rates after a DWI or DUI conviction?
In some cases, attending alcohol education programs or defensive driving courses can potentially help lower auto insurance rates after a DWI or DUI conviction. Some insurance providers offer discounts for completing these programs as they demonstrate a commitment to improving driving behavior and reducing risks. It is best to contact your insurance company and inquire about any available discounts.
Can I switch auto insurance providers to find better rates after a DWI or DUI conviction?
Yes, switching auto insurance providers is an option to explore after a DWI or DUI conviction. Different insurance companies have varying policies and guidelines, so it is possible to find a provider that offers more affordable rates for high-risk drivers.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.