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Hawaii DUI & Violation Insurance Requirements

Hawaii requires 40/80/20 liability coverage and is a no-fault state.

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Hawaii at a Glance

40/80/20

Minimum liability limits, in thousands of dollars (per person / per accident / property)

No-fault

Each driver's own policy pays their injuries first, whoever caused the crash

Required

PIP coverage must be on every policy

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Hawaii

After a DUI, license suspension, or serious violation in Hawaii, most insurers will not cancel your policy immediately — they will non-renew it at the end of your current term, giving you 30–60 days to find replacement coverage. Hawaii typically requires drivers convicted of DUI or certain violations to carry SR-22 certification for 3–5 years, proving continuous liability coverage to the state. Your existing carrier may not offer SR-22 filing, meaning you will need to secure coverage from a non-standard or high-risk carrier that does. Missing the filing deadline or allowing your policy to lapse during the required period typically results in license suspension and restarting the clock on your filing requirement.

SR-22 Certificate

SR-22 is not a type of insurance — it is a certificate your insurer files with the state proving you carry the required minimum liability coverage. Not all carriers offer SR-22 filing, so you may need to switch to a non-standard carrier that specializes in high-risk drivers.

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers — those with DUIs, violations, lapses, or suspensions on their record. These carriers charge higher premiums to offset the increased risk, but they provide the SR-22 filing and continuous coverage you need to meet Hawaii's requirements. Rates vary widely by carrier, so shopping multiple non-standard insurers is essential.

Liability Insurance

Liability coverage pays for damage and injuries you cause to others and is the foundation of any SR-22 filing in Hawaii.

High-Risk Auto Insurance

High-risk auto insurance is the broad category of coverage available to drivers with DUIs, suspensions, multiple violations, or lapses. It includes both liability-only policies and full-coverage options, depending on your vehicle and lender requirements. Premiums are calculated based on violation severity, time since the incident, and claims history — DUI convictions typically result in the highest rate increases.

Collision Coverage

Collision coverage is not required by Hawaii for SR-22 filing, but if you have a car loan or lease, your lender will require it. After a violation, collision premiums increase along with your base rate, so securing a financed vehicle as a high-risk driver can be expensive — expect monthly premiums that reflect both the violation surcharge and the additional coverage cost.

What Drivers Pay in Hawaii

$180–$289/mo

Typical monthly rate in Hawaii, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Time since violation — rates begin to drop 3–5 years after the incident if no additional violations occur
  • Prior driving history — drivers with clean records before the violation may see smaller increases than repeat offenders
  • Location within Hawaii — urban areas like Honolulu typically have higher base rates due to density and accident frequency
  • Carrier specialization — non-standard carriers that specialize in high-risk drivers may offer more competitive rates than standard insurers
  • Coverage level — adding collision and comprehensive significantly increases premiums for high-risk drivers
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Get Back to a Fair Rate After a Violation

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Coverage Types

High-Risk Auto Insurance

Coverage designed for drivers with DUIs, suspensions, or serious violations. Includes SR-22 filing and continuous coverage to meet Hawaii's legal requirements.

Non-Standard Auto Insurance

Policies from carriers that accept drivers with recent violations, lapses, or suspensions. Often the only option for drivers whose standard carrier has non-renewed them.

SR-22 Insurance

The state-required certificate proving you carry minimum liability coverage. Filed by your insurer directly with Hawaii's licensing authority.

Liability Insurance

Covers damage and injuries you cause to others. Required for SR-22 filing and legal driving in Hawaii.

Find Your City in Hawaii

Honolulu

urban

Pearl City

suburban

Hilo

urban

Kailua

suburban

Waipahu

suburban