Hawaii Auto Insurance After a DUI or Violation

After a DUI or serious traffic violation in Hawaii, your current insurer will typically non-renew your policy at the end of your term, the state may require SR-22 proof of insurance filing for up to 3 years, and your premium will typically increase 50-200%. Here's what to do in the next 48 hours.

Updated April 2026

Minimum Coverage Requirements in Hawaii

Most Hawaii drivers assume their insurer will cancel their policy immediately after a DUI or serious violation—but that's typically not what happens. Instead, your carrier will usually allow your current policy to continue until renewal, then issue a non-renewal notice giving you 30-60 days to find new coverage. During this time, the state may require you to file proof of insurance (SR-22) and maintain it continuously, and you'll need to shop for coverage among carriers that accept high-risk drivers—a significantly smaller market with higher premiums.

How Much Does Car Insurance Cost in Hawaii?

For Hawaii drivers aged 65 and older with a recent DUI or serious violation, typical monthly premiums range from $180-$450 for minimum coverage and $300-$700+ for full coverage, depending on the violation severity, your prior driving record, and the limited number of carriers willing to offer coverage. Island location matters: Oahu generally has more carrier options and competitive pricing than neighbor islands, where the high-risk market may be even more limited.

Minimum Liability + SR-22

Bare minimum state-required liability (20/40/10) plus PIP and SR-22 filing. This meets legal requirements but leaves you financially exposed if you cause an accident that exceeds these limits or if your vehicle is damaged.

Standard Liability + SR-22

Higher liability limits (100/300/100) plus PIP and SR-22 filing. For senior drivers with assets to protect—paid-off homes, retirement accounts—these increased limits reduce the risk of personal liability if you cause a serious accident.

Full Coverage + SR-22

Comprehensive and collision coverage added to liability and PIP. Worth considering only if you have a newer vehicle with significant value or an active loan requiring physical damage coverage. For older, paid-off vehicles, the high premium may exceed the vehicle's value.

What Affects Your Rate

Violation type and severity—DUI convictions typically result in the highest rate increases (100-200%), while serious moving violations may increase rates 50-100%
Time since violation—rates begin to decrease after 3 years and normalize significantly after 5 years, assuming no additional violations
Prior driving record—a single violation with an otherwise clean record results in lower increases than multiple violations or a pattern of risky driving
Island location—Oahu typically offers more carrier competition and lower rates than Maui, Kauai, or Hawaii Island, where high-risk market options are more limited
Age and experience—senior drivers aged 65+ with decades of clean driving history before a violation may qualify for better rates than younger high-risk drivers, though the violation still results in substantial increases
Carrier availability—Hawaii has fewer non-standard carriers than mainland markets, reducing competition and keeping high-risk premiums elevated

Compare Auto Insurance Rates in Hawaii

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Sources

Hawaii Department of Transportation financial responsibility requirements
Hawaii Revised Statutes Chapter 431:10C motor vehicle insurance provisions
National Association of Insurance Commissioners high-risk auto insurance market analysis

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