The Impact of a DWI Conviction on Your Insurance Rates


A DWI (Driving While Intoxicated) charge means that a court has ruled that a person is guilty of driving under the influence of drugs or alcohol.

It happens when a person is arrested and charged with a DWI crime, and after going through the legal process, they are found guilty of the offense.

The court will give you fines, take away your license, make you go to alcohol education classes, put you on probation, cause you to do community service, or even put you in jail, depending on where you live and how many times you have broken the law.

DWI and DUI can affect your Insurance rates, depending on a few variables.

The Impact of a DWI Conviction on Your Insurance Rates

1.   Increase Insurance Rates

A DWI conviction or violation can increase your insurance rates. When you have been declared with a DWI conviction, your insurance company can tag you as a high-risk driver, affecting your classification.

As you have had issues, the insurance rates offered to you can be higher than your previous insurance rates. Your insurance plan rates will differ from those of other companies since they will always depend on your classification and location.

DWI lawyer in Fort Lauderdale can assist you in navigating the complex legal system and fighting for the best possible result in your case. They will work hard to preserve your rights and assist you in obtaining the best possible conclusion in your case. They can represent individuals charged with DWI in various situations, including first-time and multiple DWI offenses.

2.   Possible Loss Discounts

You can lose your discounts.

A DWI conviction frequently leads to losing numerous insurance discounts, such as safe driver discounts or excellent student discounts. The loss of these discounts may result in increased insurance premiums.

Since you damaged your record, the trust of your insurance company may have reasons that hinder them from giving you great discounts.

You may consider it a DWI consequence.

3.   Possible Drop Contract

Following a DWI conviction, several insurance providers may choose to terminate your policy. If this occurs, you must acquire coverage from another insurer, which may be more difficult and expensive owing to your conviction.

Ask for DWI legal advice regarding this issue. DWI attorneys can help you defend and fight to keep the policy or contract between you and your insurance company.

If you invested in their company, they should at least protect your insurance.

4.   Difficulty in Renewing Your Contract

Companies will want you to refrain from renewing your policy or contract with them.

Drunk driving can be a big issue for your insurance company. There is the possibility of not renewing your policy and letting your record be tarnished. However, DWI charges are higher than expected. A DWI lawyer will defend you and not let you get a more extensive sentence or worse consequences.

5.   Risk of Being Tagged as a High-Risk Driver

Insurance companies may classify you as a high-risk driver if you are convicted of DWI.

This classification places you in a group of drivers more likely to be involved in an accident or file a claim. Being classified as a high-risk driver might result in drastically higher insurance rates.

6.   Long-Term Impact

The insurance company will be aware of your record once you plan to change or another company. There are DWI laws that insurance companies follow and will have you issued due to your record.

Your DWI arrest will always be on your record. A DWI conviction can affect your insurance rates in the long run. It may take several years to maintain a clean driving record and display responsible behavior before your insurance costs fall.


Driving Under the Influence (DUI) and Driving While Intoxicated (DWI) are both terms for driving while high on drugs or alcohol. But in different places, these terms can mean other things and be used differently.

DUI could mean driving while drunk or high on drugs. The drugs could be legal, illegal, or available over-the-counter. On the other hand, DWI could mean driving while intoxicated or while unable to do so. The exact meanings vary from state to state.

Driving Under the Influence (DUI)

DUI means driving while under the influence of drugs or alcohol, no matter what the blood alcohol content (BAC) level is. It can be used if a person is under the influence of drugs, even if their BAC is below the legal limit.

DUI is often used as a catch-all term for several crimes related to driving while impaired.

Driving While Intoxicated (DWI)

DWI usually means “Driving While Intoxicated,” it generally means that the person was more drunk or had a higher blood alcohol concentration (BAC).

In some places, DWI is used when the driver’s blood alcohol concentration (BAC) exceeds the legal limit. It is often linked to harsher punishments and fines than DUI.

DWI Defense Strategies

When you are charged with DWI (Driving While Intoxicated), it is important to know that your defense should be based on the specifics of your case. For personalized help, talking to a DWI defense attorney with experience is essential.

Field sobriety tests, like the walk-and-turn, the one-leg stand, and the horizontal look nystagmus, are subjective ways to determine if someone is drunk.

They can be questioned because of how they were given, the environment, physical problems, or inadequate instructions. This could make them less reliable as proof.

Most of the time, a breathalyzer or blood test is used to figure out how much alcohol is in a driver’s blood. But these tests can sometimes be wrong or inaccurate because of bad measurements, maintenance problems, or ways to collect and store data.

A DWI attorney can question whether or not these test results can be trusted or used in court.


It’s important to remember that DUI and DWI can mean different things and be used differently in different states, areas, or countries. Some places may only use one of these terms, while others may use them with different or equal meanings.

The rules of where the offense happened determine how DUI and DWI are defined by the law and what the consequences are.

If you are facing charges or have questions about DUI or DWI, you should talk to local legal resources or an attorney who knows the rules in your area.

They can give you correct and up-to-date information based on the laws and rules that apply to your case.

To figure out the best way to defend yourself against a DWI charge, you need to talk to an experienced DWI defense attorney.