Driveway Pinpoint Test
At 45–55 mph, gently swerve the car left and right (safely, on an empty road). If the whine changes pitch or volume as you shift the car's weight, it's almost certainly a wheel bearing — the side that gets unloaded when you swerve toward it will get louder. Bearing whine also increases steadily with vehicle speed rather than engine RPM. Jack up each wheel and spin it by hand — a failing bearing has roughness or a grinding sensation.
Fix-vs-Skip Money Panel
DIY Cost
~$80
parts only
Shop Cost
~$350
parts + labor
If you skip it
A wheel bearing that fails completely can seize the wheel or cause the wheel hub to separate from the car at speed. This is a crash-risk failure. Fix it promptly once identified.