Updated April 2026
State Requirements
Hawaii requires minimum liability coverage of 20/40/10: $20,000 bodily injury per person, $40,000 per accident, and $10,000 property damage. The state mandates personal injury protection (PIP) coverage of at least $10,000 for medical expenses regardless of fault. SR-22 filing is required following DUI convictions, license suspensions for excessive points, driving without insurance, and certain traffic offenses. Drivers with violations but no SR-22 requirement still face elevated premiums and may need non-standard carriers.
Cost Overview
High-risk auto insurance in Hawaii costs 80–200% more than standard rates depending on violation type, driving history, and location. DUI convictions generate the highest rate increases (150–200%), followed by at-fault accidents (40–80%) and speeding violations over 20 mph (25–50%). Hawaii's island geography limits carrier competition and creates higher baseline rates than many mainland states, making comparison shopping essential for high-risk drivers.
What Affects Your Rate
- Violation type and recency: DUI convictions increase rates 150–200%, while single speeding tickets add 25–50%
- SR-22 filing requirement: adds $15–$35 filing cost plus restricted carrier options that charge higher premiums
- Island location: Oahu drivers pay 15–30% more than Big Island or Maui residents due to traffic density and accident frequency
- Time since violation: rates decrease 10–20% per year with clean driving, returning to standard rates after 3–5 years
- Points accumulation: Hawaii's 12-point suspension threshold means multiple violations compound rate increases faster than single incidents
- Vehicle type: high-performance or expensive vehicles increase collision premiums by 40–100% for high-risk drivers
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
Certificate proving continuous liability and PIP coverage filed electronically with Hawaii DMV. Required for DUI convictions, license suspensions, and uninsured driving violations for 3 years.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUI, suspensions, or multiple violations who cannot obtain standard market insurance. Higher premiums but provides required liability and SR-22 filing.
Liability Insurance
Covers injuries and property damage you cause to others in accidents. Hawaii requires 20/40/10 minimums, but high-risk drivers should consider 100/300/100 to protect assets.
Personal Injury Protection
No-fault coverage for medical expenses, lost wages, and funeral costs regardless of accident responsibility. Hawaii mandates $10,000 minimum; $25,000+ recommended for high-risk profiles.
Uninsured Motorist Coverage
Protects you when hit by drivers without insurance or insufficient coverage. Must be offered in Hawaii but can be declined in writing.
Full Coverage
Combination of liability, collision, and comprehensive insurance protecting both other drivers and your own vehicle. Required by lenders for financed or leased vehicles.
