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
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
SR-22 Insurance
Proves continuous liability coverage to the state after DUI, suspension, or uninsured driving. The filing itself costs $15–$35, but high-risk premiums drive the real expense.
Non-Standard Auto Insurance
Specialized coverage for drivers denied by standard carriers due to DUI, suspension, or multiple violations. Costs more but provides the only path to reinstatement.
Liability Insurance
Covers bodily injury and property damage you cause to others. Hawaii's 20/40/10 minimums are low and leave assets exposed after serious accidents.
Full Coverage
Liability plus collision and comprehensive. Protects your vehicle and required by lenders for financed or leased cars.
Uninsured Motorist Coverage
Covers your medical bills and vehicle damage when hit by an uninsured or underinsured driver. Not required but must be offered by insurers.
Collision Coverage
Pays for damage to your vehicle after an at-fault accident, regardless of who caused it. Required by lenders and protects financed vehicles.
