State Requirements
Hawaii requires minimum liability coverage of $20,000 per person for bodily injury, $40,000 per accident for bodily injury, and $10,000 for property damage (20/40/10). The state also mandates $10,000 in personal injury protection (PIP) for medical expenses regardless of fault. SR-22 filing is required following DUI convictions, major violations, license suspensions for traffic offenses, at-fault accidents without insurance, and accumulating excessive points. Drivers with violations on record often need coverage above state minimums to satisfy court orders or reinstatement conditions.
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 rates due to the state's island geography, high vehicle repair costs, and limited carrier competition. Drivers with DUIs, at-fault accidents, or SR-22 requirements typically pay $2,200–$4,500 annually, compared to $1,200–$1,800 for clean-record drivers. Rates vary widely based on violation type, time since incident, and whether you're insured through a standard or non-standard carrier.
What Affects Your Rate
- Violation type: DUIs and reckless driving increase premiums 150–220%, while at-fault accidents raise rates 40–80%
- Time since incident: rates decrease gradually after 3–5 years with no additional violations
- Island location: Oahu typically has lower rates than neighbor islands due to more carrier options and competition
- SR-22 filing requirement: adds $15–$25 to file, but high-risk classification doubles or triples base premiums
- Credit-based insurance score: Hawaii allows insurers to use credit in underwriting, significantly impacting high-risk rates
- Vehicle type: older, high-theft vehicles like pickup trucks cost more to insure on the islands due to parts scarcity
Get SR-22 insurance quotes — most carriers file the same day
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Get Your Free QuoteCoverage Types
SR-22 Insurance
State-mandated proof of financial responsibility filed electronically with Hawaii DMV. Required for 3 years following DUI, major violations, or uninsured accidents, with immediate license suspension for any coverage lapse.
Liability Insurance
Covers bodily injury and property damage you cause to others. Hawaii's 20/40/10 minimums are often insufficient for drivers with prior violations, and courts frequently mandate higher limits for license reinstatement.
Personal Injury Protection (PIP)
Hawaii's no-fault coverage pays your medical bills, lost wages, and funeral expenses regardless of who caused the accident. Required at $10,000 minimum, but higher limits reduce out-of-pocket costs after serious injuries.
Uninsured/Underinsured Motorist Coverage
Protects you if hit by a driver with no insurance or insufficient coverage. Insurers must offer UM/UIM in Hawaii, and you can only reject it in writing.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers with DUIs, suspensions, lapses, or SR-22 requirements. These insurers charge higher premiums but provide access when standard carriers decline you.
Comprehensive & Collision Coverage
Comprehensive covers non-accident damage like theft, vandalism, or weather. Collision covers accident damage to your vehicle regardless of fault. Both carry deductibles, typically $500–$2,000 for high-risk drivers.
