Updated April 2026
Minimum Coverage Requirements in Hawaii
Hawaii requires minimum liability coverage of 20/40/10: $20,000 per person for bodily injury, $40,000 per accident for bodily injury, and $10,000 for property damage. Drivers with DUI convictions, at-fault uninsured accidents, repeat traffic violations, or license suspensions typically face SR-22 filing requirements. The state mandates continuous proof of insurance during the SR-22 period, and any lapse triggers a restart of the filing clock and additional license suspension.
How Much Does Car Insurance Cost in Hawaii?
High-risk insurance in Hawaii typically costs $180–$400/mo depending on violation type, age, location, and driving history. DUI convictions trigger the highest rate increases, often tripling premiums. Hawaii's island geography and limited carrier competition reduce options for high-risk drivers, keeping rates elevated compared to mainland states with more non-standard insurers.
What Affects Your Rate
- Type of violation: DUI convictions carry the highest surcharges, often 200–300% above base rates for 3–5 years
- Island location: Honolulu drivers face higher premiums than rural Oahu, Big Island, or Maui due to traffic density and claim frequency
- Age and experience: Drivers under 25 with violations pay significantly more than older high-risk drivers due to compounded risk factors
- Number of violations: Multiple incidents within 3 years can push drivers into assigned risk pools or state-mandated coverage programs
- Credit-based insurance score: Hawaii allows credit-based scoring, and violations often correlate with lower scores, compounding rate increases
- Vehicle type: High-performance or expensive vehicles increase collision and comprehensive premiums for high-risk drivers already paying elevated liability rates
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Sources
- Hawaii Revised Statutes Chapter 431:10C (Motor Vehicle Insurance Law)
- Hawaii Department of Commerce and Consumer Affairs Insurance Division
- Hawaii Administrative Rules Title 16 Chapter 23 (Motor Vehicle Insurance)