Updated March 2026
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.
Cost 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
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Coverage Options
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Frequently Asked Questions
Sources
- Hawaii Department of Transportation – Driver Licensing Division
- Hawaii Revised Statutes § 431:10C-301 – Motor Vehicle Insurance
- Hawaii Department of Commerce and Consumer Affairs – Insurance Division