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, license suspensions for at-fault accidents, or citations for driving uninsured typically must file SR-22 proof of insurance with the state for three years. Personal injury protection (PIP) is also mandatory in Hawaii, with a minimum of $10,000 coverage per person. High-risk drivers often need coverage above state minimums to meet SR-22 carrier underwriting requirements and avoid out-of-pocket exposure.
How Much Does Car Insurance Cost in Hawaii?
High-risk auto insurance in Hawaii costs significantly more than standard coverage due to violation surcharges, limited carrier competition, and the state's high baseline rates driven by no-fault PIP requirements and geographic isolation. A DUI can increase premiums by 80–150%, while at-fault accidents or license suspensions typically add 40–90% to your rate. Rates vary widely based on violation type, age, vehicle, and whether you can access standard versus non-standard carriers.
What Affects Your Rate
- Type of violation: DUI convictions carry the highest surcharges, often 80–150% above standard rates
- Time since violation: Rates begin to decrease after 3 years, with most surcharges dropping significantly after 5 years
- SR-22 filing requirement: Limits you to non-standard carriers with higher base rates and less competitive pricing
- Island of residence: Oahu drivers typically pay less than those on neighbor islands due to more carrier options and competition
- No-fault PIP requirement: Hawaii's mandatory PIP adds $30–$80/mo to all policies, compounding the cost of high-risk premiums
- Vehicle replacement costs: High shipping fees and limited inventory inflate comprehensive and collision premiums for island drivers
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
A state-mandated filing proving you carry continuous coverage, required after DUI, suspension, or uninsured accident. The filing itself costs $15–$35, but premiums increase significantly because only non-standard carriers offer SR-22 in Hawaii.
Non-Standard Auto Insurance
Coverage for drivers who cannot qualify for standard policies due to violations, suspensions, or SR-22 requirements. Non-standard carriers specialize in high-risk profiles and charge higher premiums to offset increased claim risk.
Full Coverage
Liability, comprehensive, and collision combined to protect both your liability and vehicle damage. Required by lenders and recommended in Hawaii due to high vehicle replacement and repair costs from limited inventory and shipping fees.
Personal Injury Protection (PIP)
Mandatory no-fault coverage in Hawaii that pays your medical bills and lost wages regardless of who caused the accident. Minimum is $10,000 per person, but higher limits are recommended given the state's elevated healthcare costs.
Uninsured Motorist Coverage
Protects you if you're hit by a driver with no insurance or insufficient coverage to pay for your injuries and vehicle damage. Optional in Hawaii but critical given the state's uninsured driver rate and high out-of-pocket costs.
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Hawaii's 20/40/10 minimum is low, and high-risk drivers should carry higher limits to protect assets and meet SR-22 carrier underwriting standards.
