Minimum Coverage Requirements in Hawaii
Hawaii 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 DUI convictions, multiple violations, uninsured accidents, or license suspensions typically must file SR-22 proof of insurance for 3 years. Hawaii operates on a point system where accumulating 12 points in 12 months triggers license suspension, requiring SR-22 filing to reinstate driving privileges.
How Much Does Car Insurance Cost in Hawaii?
High-risk auto insurance in Hawaii costs significantly more than standard policies due to limited carrier availability and the island insurance market. Drivers with DUI convictions typically pay $250–$400/mo, while those with points from moving violations or at-fault accidents pay $180–$300/mo. Rates vary based on violation severity, time since incident, age, vehicle type, and whether SR-22 filing is required.
What Affects Your Rate
- DUI convictions increase rates 80–200% for 5–10 years in Hawaii
- SR-22 filing requirement adds $15–$35 filing fee plus 50–150% premium increase
- Point accumulation: each point typically adds 10–25% to base premium
- At-fault accidents without injuries increase rates 40–80% for 3–5 years
- Limited non-standard carrier availability in Hawaii reduces competition and increases rates compared to mainland markets
- Island location and higher cost of living in Hawaii drive base insurance costs 20–40% above national averages
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
Liability Insurance
Covers bodily injury and property damage you cause to others in an accident. Hawaii's 20/40/10 minimums are low—serious accidents easily exceed these limits, leaving you personally liable for the difference.
SR-22 Filing
Certificate proving you maintain continuous liability coverage, filed by your insurer with the state. Required after DUI, suspensions, or uninsured violations in Hawaii for typically 3 years.
Uninsured Motorist Coverage
Protects you when hit by drivers without insurance or adequate coverage. Hawaii requires 20/40 UM/UIM minimums, but higher limits provide better protection for medical bills and lost wages.
Full Coverage
Combines liability, UM/UIM, comprehensive, and collision coverage to protect both other parties and your own vehicle. Required by lenders for financed or leased vehicles regardless of driving record.
Non-Standard Auto Insurance
Coverage from insurers specializing in high-risk drivers with DUIs, suspensions, multiple violations, or SR-22 requirements. Non-standard carriers accept profiles standard insurers decline.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Combined with comprehensive coverage, this protects your vehicle investment while liability covers others.
