State Requirements
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, multiple moving violations, uninsured driving incidents, or license suspensions must file SR-22 proof of financial responsibility with the Hawaii Department of Transportation. These minimums often fall short for high-risk drivers, who face higher scrutiny from carriers and may need higher limits to qualify with non-standard insurers. Hawaii also enforces strict penalties for lapses during the SR-22 period, including immediate license suspension.
Meeting the state minimum keeps you legal. See whether it's enough — get your Hawaii quote.
Get your Hawaii quoteCost Overview
High-risk auto insurance in Hawaii costs significantly more than standard coverage due to DUI penalties, SR-22 filing requirements, and limited non-standard carrier availability on the islands. Average annual premiums for drivers with DUI or major violations range from $2,800 to $5,200, compared to $1,200–$1,800 for clean-record drivers. Hawaii's geographic isolation means fewer insurers compete for high-risk business, and carriers price in higher medical costs and vehicle repair expenses common to island markets.
What Affects Your Rate
- Type of violation: DUI convictions increase premiums 80–150%, while at-fault accidents or speeding tickets may add 20–60%
- SR-22 duration and lapse history: Drivers who let coverage lapse face restarted SR-22 clocks and higher rates at renewal
- Island location: Oahu has more carrier competition and slightly lower rates than Maui, Kauai, or Hawaii Island, where non-standard insurers are scarce
- Vehicle type: Older sedans common on the islands cost less to insure than trucks or financed SUVs, even with a high-risk profile
- Time since violation: Rates drop 15–30% after the first year clean, and 40–60% after three years if no new incidents occur
- Credit and payment history: Hawaii allows credit-based insurance scoring, so poor credit combined with a DUI can double premiums compared to good credit with the same violation
Get non-owner SR-22 coverage without owning a vehicle
Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.
Get Your Free QuoteCoverage Types
SR-22 Insurance
Proof-of-insurance filing required by Hawaii for DUI, suspended licenses, or uninsured violations. Your insurer files electronically and notifies the state if coverage lapses, triggering immediate suspension.
Liability Insurance
Covers bodily injury and property damage you cause to others. Hawaii requires 20/40/10, but high-risk drivers should consider 50/100/25 or higher to reduce personal exposure and meet non-standard carrier underwriting standards.
Uninsured Motorist Coverage
Pays for your injuries and damages if you're hit by a driver with no insurance or limits too low to cover the full loss. Covers you and your passengers regardless of fault.
Personal Injury Protection (PIP)
Required in Hawaii as a no-fault state. PIP covers your medical expenses, lost wages, and funeral costs up to policy limits regardless of who caused the accident.
Non-Standard Auto Insurance
Specialized coverage for drivers standard carriers won't insure due to DUI, suspensions, lapses, or multiple violations. Non-standard insurers accept higher-risk profiles but charge elevated premiums and may require higher down payments.
Collision and Comprehensive Coverage
Collision covers your vehicle repairs after an at-fault accident; comprehensive covers theft, vandalism, weather, and animal strikes. Both are optional unless required by a lender.
