Will your full coverage insurance still pay for the value of your vehicle even if the driver got an owi or was drunk?

Yes, your policy will still pay as it should have reguardless of you being intoxicated or not while driving. If you are insured with a preferred company I can pretty much guaranty that you will receive a non-renewal notice and your insurance will be cancelled after that. You will also find it harder to purchase affordable insurance from then on as your better more preferred insurance companies will not be interested in your insurance account.