Updated April 2026
Minimum Coverage Requirements in Hawaii
Hawaii operates as a no-fault state, which means your Personal Injury Protection coverage pays your medical bills regardless of who caused the accident. After a DUI conviction, the Hawaii Administrative Driver's License Revocation Office requires SR-22 filing to reinstate your license. The filing period starts on your conviction date — not your reinstatement date — and runs for three years without a lapse.
How Much Does Car Insurance Cost in Hawaii?
DUI SR-22 rates in Hawaii run higher than mainland averages because of Hawaii's isolated non-standard insurance market and limited carrier competition. Most drivers pay $180–$280/mo for state minimums. Aggravated DUI (BAC over 0.15, minor in vehicle, injury, or refusal) pushes rates to $240–$350/mo.
What Affects Your Rate
- First-offense standard DUI adds 80–120% to baseline rates in Hawaii; aggravated DUI adds 120–180%.
- Repeat-offense DUI or refusal conviction moves you into assigned-risk territory — expect $350–$500/mo even for minimums.
- Island-specific rates vary: Oahu averages $200–$300/mo, Big Island and Maui run $180–$260/mo, Kauai slightly lower at $170–$250/mo.
- Non-standard carriers dominate post-DUI: Dairyland, GAINSCO, and Acceptance write Hawaii SR-22 policies; mainland carriers like State Farm and Geico typically non-renew at term.
- Ignition Interlock Device (IID) installation adds $75–$125/mo to your total cost but may qualify you for restricted driving privileges during suspension.
- Time since conviction matters — rates drop 20–30% at the two-year mark if you maintain continuous coverage and avoid new violations.
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Coverage Types
SR-22 Insurance
The SR-22 is an electronic filing your carrier submits to prove you carry Hawaii's minimum coverage. Any lapse triggers automatic license re-suspension within 24 hours.
Non-Owner SR-22
Liability-only policy for drivers who do not own a vehicle but need SR-22 to reinstate their license. Covers you when driving borrowed or rental vehicles.
Liability Insurance
Covers injury and property damage you cause to others. Hawaii's 20/40/10 minimums are the floor — not a safe coverage level for most drivers.
Uninsured Motorist Coverage
Protects you if you are hit by a driver with no insurance or insufficient coverage. Hawaii does not require UM coverage but allows you to reject it in writing.
Find Your City in Hawaii
Sources
- Hawaii Administrative Driver's License Revocation Office — SR-22 filing requirements and duration
- Hawaii Department of Commerce and Consumer Affairs Insurance Division — minimum liability coverage regulations
- National Association of Insurance Commissioners — Auto Insurance Database Report