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Restricted License Insurance — Hawaii

Hawaii typically requires SR-22 filing with 20/40/10 minimum liability after DUI or major violations — among the lowest bodily injury minimums nationally. Ignition Interlock Device (IID) installation is mandatory for DUI-related restricted licenses, adding $60–$100 monthly monitoring costs plus $75–$150 installation fees on top of insurance premiums.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated July 2026

Minimum Coverage Requirements in Hawaii

Hawaii operates under a no-fault system, meaning your own Personal Injury Protection (PIP) coverage pays medical bills regardless of fault — but the state's $10,000 PIP minimum covers less than one emergency room visit at most Honolulu hospitals. All drivers must carry proof of insurance and present it at traffic stops, registration renewal, and after any accident. Restricted license eligibility after suspension typically requires completion of substance abuse programs and IID installation verified through the Hawaii District Court system.

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20/40 ($20,000 per person, $40,000 per accident)
Bodily Injury Liability
Pays for injuries you cause to others in an at-fault accident. Hawaii's 20/40 minimum is the lowest bodily injury limit in the nation — a single serious injury claim typically exceeds $20,000 within hours. Medical costs at Queen's Medical Center or Straub Medical Center routinely surpass state minimums before the patient leaves the ER. Carriers writing high-risk policies in Hawaii often require 50/100 minimums to issue coverage.
$10,000
Property Damage Liability
Covers damage you cause to another vehicle or property. The $10,000 limit barely covers a totaled economy sedan — collision damage to newer vehicles or multiple parked cars routinely exceeds this minimum. Island-specific risks include salt air corrosion damage and agricultural equipment on rural Maui and Big Island roads, both of which generate property claims above state minimums.
$10,000
Personal Injury Protection (PIP)
Pays your own medical bills and lost wages regardless of fault under Hawaii's no-fault system. The $10,000 minimum expires within hours at Honolulu-area trauma centers, where even moderate injuries generate five-figure bills. PIP rejection must be made in writing at policy inception — verbal rejection doesn't count, and coverage is added automatically if the form isn't completed before the policy effective date.
Not required (coverage only)
SR-22 Certificate of Financial Responsibility
Hawaii courts and the District Court Traffic Violations Bureau require SR-22 filing after DUI, reckless driving, accumulating 12+ points in 12 months, or driving uninsured. The SR-22 itself is a filing — your carrier electronically transmits proof of continuous coverage to the state. Any lapse triggers automatic license re-suspension, and the 3-year filing clock resets from the lapse date, not the original conviction date.
Not required (device installation mandatory)
Ignition Interlock Device (IID) Coverage
Hawaii courts mandate IID installation for DUI-related restricted licenses, typically for 6 months to 2 years depending on offense count and BAC level. The device prevents engine start if breath alcohol is detected. Monthly monitoring costs ($60–$100) plus initial installation ($75–$150) and bi-monthly calibration fees ($50–$75) add $120–$250 monthly to your total cost stack. Some carriers offer IID-specific policy endorsements covering device damage or malfunction — standard comprehensive coverage often excludes aftermarket devices.
State-Mandated Minimum Coverage · Hawaii

Hawaii Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$40,000
Bodily Injury (per accident)$80,000
Property Damage$20,000

Meeting the state minimum keeps you legal. See whether it's enough — get your Hawaii quote.

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How Much Does Car Insurance Cost in Hawaii?

Hawaii's isolated geography, high vehicle import costs, and no-fault medical claim environment drive premiums 30–40% above mainland averages. Carriers writing high-risk policies in Hawaii are concentrated among 4–5 regional specialists — limited competition keeps restricted license rates elevated compared to high-volume mainland markets.

What Affects Your Rate

  • Island location — Oahu restricted license rates run $40–$80 monthly higher than Big Island or Maui due to Honolulu traffic density and medical cost concentration.
  • IID installation timeline — delays between court order and device installation extend your suspension period and may trigger additional court hearings, resetting processing windows.
  • No-fault PIP claim history — Hawaii's no-fault system means your own PIP claims count against you regardless of fault, raising premiums 15–30% after even minor injury claims.
  • Uninsured motorist density — rural Maui, Kauai, and Big Island corridors have higher uninsured driver rates, increasing UM coverage premiums by $15–$35 monthly compared to Honolulu-area policies.
  • Carrier availability — only 4–5 carriers actively write restricted license policies in Hawaii; limited competition keeps rates 20–30% above comparable mainland markets.
  • SR-22 filing duration compliance — any lapse during the 3-year filing period triggers automatic re-suspension and resets the clock from the lapse date, requiring a new restricted license application and court hearing.
Minimum Coverage
$180–$240/mo
20/40/10 liability plus $10,000 PIP. Legal but insufficient — a single moderate injury claim exhausts bodily injury limits within hours. Does not include IID monitoring costs or SR-22 filing fees.
Standard Coverage
$260–$340/mo
50/100/25 liability plus $25,000 PIP and uninsured motorist coverage. Reflects carrier-imposed minimums for high-risk policies — most Hawaii specialists won't issue DUI coverage below 50/100 limits. Add $80–$120 monthly for IID costs.
Full Coverage
$380–$520/mo
100/300/50 liability, $50,000 PIP, uninsured motorist, and comprehensive/collision with $500–$1,000 deductibles. Includes coverage for financed vehicles and protection against Hawaii's uninsured driver rate (approximately 10–12% statewide). Total monthly cost including IID: $500–$640.

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Coverage Types

SR-22 Insurance for Restricted License

Electronic filing proving continuous coverage to Hawaii District Court. Required for DUI, reckless driving, 12+ points, or uninsured operation. Any lapse triggers automatic re-suspension and resets the 3-year filing clock.

Non-Owner SR-22 Insurance

Liability-only policy for drivers who don't own a vehicle but need SR-22 filing to maintain restricted license eligibility. Covers you when driving borrowed or rental vehicles.

Uninsured Motorist Coverage

Pays your medical bills and vehicle damage when an at-fault driver has no insurance. Hawaii law requires carriers to offer UM coverage equal to your liability limits — rejection must be made in writing.

Comprehensive and Collision Coverage

Comprehensive covers non-collision damage (theft, vandalism, weather, animal strikes). Collision covers damage from accidents regardless of fault. Both require deductibles ($500–$1,000 typical).

Personal Injury Protection (PIP)

Pays your medical bills, lost wages, and funeral expenses regardless of fault under Hawaii's no-fault system. The $10,000 state minimum expires within hours at Honolulu trauma centers.

IID-Specific Policy Endorsements

Optional coverage for Ignition Interlock Device damage, malfunction, or theft. Standard comprehensive policies often exclude aftermarket devices installed post-purchase.

Find Your City in Hawaii

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Honolulu

urban
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Pearl City

suburban
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Hilo

urban
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Kailua

suburban
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Waipahu

suburban

Frequently Asked Questions

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