Updated March 2026
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) coverage. SR-22 filing is required after DUI convictions, driving without insurance citations, multiple serious violations within 12 months, and license suspensions for points or refusal of chemical testing. High-risk drivers should understand that meeting state minimums may not provide adequate protection if another incident occurs.
Cost Overview
High-risk auto insurance premiums in Hawaii are substantially higher than standard rates due to violation history, SR-22 requirements, and limited non-standard carrier availability on the islands. A DUI conviction typically increases premiums by 80–150% for three to five years, while multiple violations or at-fault accidents can raise rates 60–120%. Hawaii's isolated market and higher cost of living contribute to baseline rates that exceed many mainland states even before high-risk factors apply.
What Affects Your Rate
- Violation type and severity (DUI carries higher surcharges than speeding violations)
- Time since violation (rates decrease as violations age beyond 3–5 years)
- Island location (Oahu typically sees different rates than neighbor islands due to traffic density)
- Age and gender (young high-risk drivers pay significantly more than older drivers with similar violations)
- Vehicle type and value (comprehensive and collision costs increase with vehicle replacement cost)
- Credit-based insurance score where permitted (Hawaii allows use with restrictions)
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Get Your Free QuoteCoverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Required by Hawaii law and necessary for SR-22 filing, but state minimums of 20/40/10 may not adequately protect high-risk drivers from financial liability in serious accidents.
SR-22 Certificate Filing
Electronic certificate filed by your insurer proving you maintain continuous coverage meeting state minimums. Required for 3 years after DUI, uninsured driving, or serious violations, with immediate license suspension if coverage lapses.
Personal Injury Protection (PIP)
Mandatory no-fault coverage paying up to $10,000 for your medical expenses, lost wages, and funeral costs after an accident regardless of who was at fault. Cannot be waived in Hawaii.
Uninsured/Underinsured Motorist Coverage
Pays for your injuries and damages when hit by a driver with no insurance or insufficient coverage. Hawaii requires insurers to offer this coverage, though you can reject it in writing.
Collision Coverage
Pays to repair or replace your vehicle after a collision with another car or object, regardless of fault. Required by lenders for financed vehicles but optional if you own your car outright.
Non-Standard Auto Insurance
Specialized coverage designed for drivers with DUI convictions, multiple violations, at-fault accidents, or coverage lapses who cannot obtain standard market policies. Premiums are higher but acceptance standards are more flexible.
