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, and $10,000 for property damage. SR-22 filing is typically required following DUI convictions, major license suspensions, repeat traffic violations, or driving uninsured after an at-fault accident. The filing requirement generally lasts 3 years from the date of reinstatement, not from the violation date. For high-risk drivers, state minimums often fall short of actual liability exposure after a serious violation.
How Much Does Car Insurance Cost in Hawaii?
High-risk auto insurance rates in Hawaii are driven by violation type, how long ago the incident occurred, and whether you live in a high-cost urban area like Honolulu or a lower-cost rural region. DUI convictions typically increase premiums by 80–150% for the first 3 years, while at-fault accidents with lapses may raise rates by 50–90%. Non-standard carriers in Hawaii often require higher down payments and offer fewer discounts than standard insurers.
What Affects Your Rate
- Violation type: DUI convictions carry the highest surcharges (80–150% increase), followed by at-fault accidents with lapses (50–90%) and repeat moving violations (40–70%)
- Time since violation: Rates decrease significantly after 3 years violation-free, with most surcharges dropping by 30–50% at the 3-year mark and returning near standard rates after 5 years
- Urban vs. rural location: Honolulu rates run 20–35% higher than rural areas due to theft, vandalism, and accident frequency; Hilo and Kailua-Kona fall in between
- Down payment requirements: Non-standard carriers in Hawaii often require 25–50% down on a six-month policy, compared to 10–20% for standard-risk drivers
- Vehicle type: Older vehicles with liability-only coverage cost less to insure than newer financed vehicles requiring full coverage during the SR-22 period
- Credit and payment history: Some non-standard carriers use insurance scores or prior lapse history to tier rates, with poor credit adding 15–30% to premiums even among high-risk policies
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 injury and property damage you cause to others in an accident. Required by law and the foundation of any SR-22 filing in Hawaii.
SR-22 Certificate Filing
Proof of continuous insurance filed by your carrier with the state. Required for DUI, suspensions, and serious violations in Hawaii.
Full Coverage
Combines comprehensive and collision to cover damage to your own vehicle from accidents, theft, weather, and vandalism.
Uninsured Motorist Coverage
Protects you if hit by a driver with no insurance or insufficient coverage to pay for your injuries and damages.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUI, suspensions, or violations who cannot qualify for standard insurance. Includes SR-22 filing.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Required by lenders if you finance or lease.
