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. SR-22 filing is typically required after DUI convictions, uninsured accidents causing injury or significant property damage, repeated serious violations, or license suspensions for driving-related offenses. Most drivers with points from speeding tickets or single at-fault accidents do not need SR-22 unless the violation resulted in suspension. Hawaii's point system assigns values to each violation, with license suspension typically triggered at 12 points in 12 months or specific serious offenses.
How Much Does Car Insurance Cost in Hawaii?
Insurance rates in Hawaii after a points violation depend on violation type, your prior record, and which carrier writes you. A single speeding ticket typically raises rates 15–25%, while an at-fault accident adds 30–50% and a DUI can double or triple your premium. Shopping carriers after a violation is critical — rate differences between insurers for the same violation profile can exceed $100/mo.
What Affects Your Rate
- Type of violation — DUI adds 80–150%, at-fault accident adds 30–50%, speeding ticket adds 15–25%
- Time since violation — rates drop significantly after 3 years when points fall off in Hawaii
- Number of incidents — multiple violations in 3 years compound rate increases exponentially
- Current points total — approaching the 12-point suspension threshold signals higher risk to insurers
- Carrier tolerance — non-standard carriers assess violations differently than standard insurers
- Coverage level selected — collision and comprehensive premiums rise sharply after at-fault accidents
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 injuries and property damage you cause to others. Hawaii's 20/40/10 minimum is often insufficient after a serious accident — medical bills from a single injured person can exceed $20,000.
Full Coverage
Combines liability, collision, and comprehensive for complete protection. Essential if you have a loan, lease, or cannot replace your vehicle out-of-pocket.
SR-22 Insurance
A certificate proving you carry minimum liability coverage, filed by your insurer with the state. Required after DUI, uninsured accidents, or suspensions.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers — those with violations, accidents, lapses, or SR-22 requirements that standard insurers decline or price prohibitively.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient limits. Hawaii requires 20/40 minimum UM bodily injury coverage.
Collision Coverage
Repairs your vehicle after an accident you cause, regardless of fault. Required by lenders but optional if you own your car outright.
