Minimum Coverage Requirements in Hawaii
Hawaii requires minimum liability coverage of 20/40/10: $20,000 bodily injury per person, $40,000 per accident, and $10,000 property damage. Drivers with DUI convictions, multiple at-fault accidents, or uninsured driving violations typically must file SR-22 proof of insurance for 3 years. Hawaii also requires $10,000 personal injury protection (PIP) coverage, which applies regardless of fault and covers medical expenses and lost wages.
How Much Does Car Insurance Cost in Hawaii?
Post-SR22 drivers in Hawaii typically pay $180–$280/mo for liability-only coverage in the first year after completing their filing requirement, depending on violation type and time elapsed. Full coverage with comprehensive and collision averages $280–$420/mo initially. Rates decline as violations age: DUI impacts drop significantly after 3–5 years, while at-fault accidents age off more quickly—usually within 3 years.
What Affects Your Rate
- Violation type: DUI adds 80–150% to premiums for 5+ years; at-fault accidents add 40–80% for 3–5 years
- Time since SR-22 completion: rates drop 15–25% at 1 year post-filing, 30–40% at 3 years
- Urban vs. rural location: Honolulu and Hilo drivers pay 20–35% more than rural Kauai or Big Island residents due to accident and theft rates
- Credit-based insurance score: Hawaii allows credit-based pricing, which can add or subtract 20–40% from base rates
- Annual mileage: low-mileage discounts (under 7,500 miles/year) can reduce premiums by 10–20% for post-SR22 drivers demonstrating lower exposure
- Carrier specialization: non-standard carriers focusing on high-risk drivers often offer 20–40% lower rates than standard insurers for recently completed SR-22 profiles
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Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Hawaii's 20/40/10 minimums are frequently inadequate in serious accidents, leaving you personally liable for excess damages.
Full Coverage
Combines liability, comprehensive, and collision coverage. Protects both your financial liability and your vehicle's value in accidents, theft, or weather damage.
Comprehensive Coverage
Pays for non-collision damage including theft, vandalism, volcanic ash, flooding, and falling debris. Required by lenders if your vehicle is financed or leased.
Uninsured Motorist Coverage
Protects you if an at-fault driver lacks insurance or carries insufficient limits. Not required in Hawaii but highly recommended given uninsured driver rates.
SR-22 Insurance
SR-22 is a state-required filing proving you carry minimum liability and PIP coverage. The filing itself costs $15–$35, but the violation that triggered it increases premiums significantly.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers, including those with recent DUI, SR-22, or multiple violations. Often 20–40% cheaper than standard carriers for post-SR22 profiles.
