DWI vs DUI by State

Understand the difference between a DUI, DWI, OWI, and OUI with our 50-state terminology map.

While people use the terms interchangeably in conversation, state laws are incredibly specific about whether they charge you with a DUI (Driving Under the Influence), a DWI (Driving While Intoxicated / Impaired), an OWI (Operating While Intoxicated), or an OUI (Operating Under the Influence).

From an insurance perspective, the distinction rarely matters. Auto insurance carriers view all of these acronyms as high-risk impaired driving violations. According to data from the National Highway Traffic Safety Administration (NHTSA) and national carrier filings, a conviction under any of these terms triggers an immediate shift to high-risk insurance tiers.

State-by-State Terminology Map

If you are shopping for insurance after a conviction, it is crucial to use the correct terminology for your state when applying for quotes to ensure the automated systems calculate your high-risk surcharge accurately.