Minimum Coverage Requirements in Hawaii
Hawaii typically requires minimum liability coverage of 20/40/10: $20,000 bodily injury per person, $40,000 per accident, and $10,000 property damage. Drivers with DUIs, at-fault accidents while uninsured, repeat violations, or license suspensions generally must file SR-22 proof of financial responsibility with the state for a specified period. Personal Injury Protection (PIP) coverage is mandatory in Hawaii at $10,000 minimum, making it a no-fault state where your insurer pays your medical bills regardless of fault.
How Much Does Car Insurance Cost in Hawaii?
High-risk auto insurance in Hawaii costs significantly more than standard coverage due to limited carrier competition, mandatory PIP requirements, and the state's no-fault system. DUI offenders typically pay $2,400–$4,800 annually ($200–$400/mo) for SR-22 liability coverage, while drivers with suspensions or multiple violations pay $1,800–$3,600/year. Rates vary widely by island, zip code, violation type, and whether you need full coverage for a financed vehicle.
What Affects Your Rate
- Violation type: DUI convictions increase premiums 200–300%, while license suspensions or minor violations increase rates 40–100%
- Island and zip code: Honolulu and urban Oahu areas typically cost 15–25% more than rural Maui, Kauai, or Big Island locations due to higher accident and theft rates
- SR-22 filing duration: Drivers early in their 3-year SR-22 period pay peak rates; expect 10–20% annual decreases if you maintain continuous coverage without new violations
- Down payment requirements: Non-standard carriers in Hawaii often require 25–50% down on six-month policies for SR-22 filers, impacting upfront cost
- Vehicle type and age: Older vehicles (10+ years) with liability-only coverage reduce premiums, while newer financed vehicles requiring full coverage double or triple costs after a violation
- Prior insurance lapse: A coverage gap before or after your violation adds 20–40% to high-risk premiums, as Hawaii insurers treat lapses as compounding risk factors
See how much your violation actually affects your rates
Not every carrier surcharges the same way. Compare quotes from carriers that rate violations differently.
Get Your Free QuoteCoverage Types
SR-22 Insurance
SR-22 is a state-mandated filing proving you carry at least minimum liability and PIP coverage. Your insurer files it electronically with the state, and any lapse during the required period (typically 3 years) restarts the clock and suspends your license.
Non-Standard Auto Insurance
Non-standard carriers specialize in high-risk drivers who cannot get coverage from preferred insurers after DUIs, suspensions, or multiple violations. Approval is faster but premiums and down payments are higher.
Liability Insurance
Covers injuries and property damage you cause to others in an accident. Hawaii's typical 20/40/10 minimums are low, and many non-standard carriers require higher limits to accept SR-22 filers.
Full Coverage
Combines liability, PIP, comprehensive, and collision coverage to protect your vehicle and others. Required by lenders if you finance or lease a car.
Personal Injury Protection (PIP)
Mandatory in Hawaii at $10,000 minimum, PIP covers your medical bills, lost wages, and funeral expenses regardless of fault. You cannot waive PIP even with health insurance.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance. Hawaii typically requires 20/40 UM minimums, but higher limits are advisable for high-risk drivers.
