You're High-Risk in Hawaii: What That Means for Coverage
You picked up a DUI, a reckless driving charge, or let your policy lapse long enough that carriers now see you as high-risk. Hawaii's statutory minimums are $40,000 bodily injury per person, $80,000 per accident, and $20,000 property damage, plus mandatory personal injury protection. That's the legal floor. The structural reality: most carriers writing high-risk policies in Hawaii require higher limits than the statutory minimums, and all require PIP, which adds to the base premium before you've selected any optional coverage.
This article walks you through which carriers write high-risk policies in Hawaii, what coverage structure meets both state requirements and carrier underwriting rules, and how to compare policies when the advertised minimums don't match what carriers actually offer you. You're not shopping for the cheapest policy that technically clears the legal bar — you're finding the policy that a carrier will actually write and that keeps you legal if you're pulled over or file a claim.
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Get Your Free QuoteHawaii High-Risk Market
12 carriers
Twelve carriers write policies for drivers with violations, DUIs, or lapses in Hawaii: Allstate, Farmers, Geico, Liberty Mutual, National General, Progressive, State Farm, USAA, and four others. Not all write non-owner policies, and not all accept every violation type.
Hawaii Car Insurance Requirements carrier roster, verified August 2025
Hawaii Requires PIP on Every Policy
Hawaii is a no-fault state. Every auto policy must carry personal injury protection coverage, which pays your medical expenses and lost wages after an accident regardless of who caused it. PIP is not optional. You cannot buy a liability-only policy in Hawaii the way you can in fault states.
This matters because PIP adds to the base premium before you've selected collision, comprehensive, or any other optional coverage. When you're comparing quotes, the difference between carriers is not just the liability premium — it's the combined cost of liability plus PIP plus any carrier-specific underwriting add-ons for high-risk drivers.
Uninsured motorist coverage is not required in Hawaii, but many carriers bundle it automatically or require it as a condition of writing high-risk policies. If a carrier requires UM and you don't want it, you'll need to sign a waiver. Not all carriers offer that waiver to high-risk drivers.
Which Carriers Write High-Risk Policies in Hawaii
Geico, Progressive, National General, and Farmers write policies for drivers with DUIs, lapses, and most moving violations. All four write non-owner policies, which cover you when driving a vehicle you don't own. USAA writes high-risk policies including SR-22 filings and non-owner coverage, but USAA membership is restricted to military members, veterans, and their families. State Farm and Allstate write SR-22 policies but do not advertise non-owner coverage for high-risk drivers on their public-facing sites. Liberty Mutual writes SR-22 policies but does not confirm non-owner availability.
The remaining carriers in the Hawaii roster — Amica, Auto Club Enterprises, Hartford, and Travelers — are preferred-tier carriers. Amica, Hartford, and Travelers do not confirm high-risk or SR-22 capability in their Hawaii filings. Auto Club Enterprises does not advertise high-risk products. If you've been declined by a standard carrier, start with Geico, Progressive, National General, or Farmers. If you need non-owner coverage, confirm availability before applying — not all carriers writing high-risk owner policies write non-owner policies for the same violation types.
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SR-22 Filing: When You Need It and How Long It Lasts
Hawaii requires SR-22 filing for drivers convicted of DUI, reckless or inattentive driving, driving under the influence of drugs, driving while license suspended or revoked, or causing an at-fault accident with death, injury, or property damage over $3,000. The SR-22 is a certificate your carrier files with the state proving you carry continuous coverage. The filing period is three years from the conviction date, not the filing date. If your policy lapses during the filing period, your carrier notifies the state and your license is suspended until you file a new SR-22 and pay reinstatement fees.
The premium increase comes from being classified as high-risk, not from the filing. You can meet the SR-22 requirement with either an owner policy covering a vehicle you own or a non-owner policy covering you when driving vehicles you don't own. If you don't own a vehicle, a non-owner SR-22 policy keeps you legal and preserves your license during the filing period.
Hawaii offers two SR-22 form variants: owner and non-owner. The owner form covers a specific vehicle titled to you. The non-owner form covers you as a driver across any vehicle you operate with the owner's permission. If you own multiple vehicles, all must be listed on the same SR-22 policy or you need separate SR-22 filings for each policy. Splitting vehicles across multiple policies without filing SR-22 on each one violates the continuous-coverage requirement and triggers a suspension.
Hawaii Uninsured Motorist Rate
9.6%
Nearly one in ten drivers on Hawaii roads is uninsured. Uninsured motorist coverage is not required by the state, but it protects you when an at-fault driver has no insurance. Many carriers writing high-risk policies require UM as a condition of coverage.
Insurance Research Council, 2023
Ignition Interlock Permit: Driving During Suspension
If your license is suspended after a DUI, Hawaii offers an Ignition Interlock Permit that allows you to drive a vehicle equipped with an ignition interlock device during the suspension period. You apply to the Administrative Drivers License Revocation Office. No hearing is required. You must submit an IID installation agreement, proof of valid insurance, and an IIP application. The permit restricts you to driving only an IID-equipped vehicle — you cannot drive any other vehicle, even with the owner's permission.
Hawaii also offers an Employee Driver Permit variant that allows you to drive specified employer vehicles during specified employment hours, not to exceed 12 hours per day. The Employee Driver Permit does not require an IID, but it restricts you to employer vehicles only. You cannot use it for personal driving. Both permit types require proof of insurance meeting Hawaii's statutory minimums plus PIP. Not all carriers writing high-risk policies will insure a vehicle with an IID or write a policy for a driver holding an IIP — confirm coverage before installing the device or applying for the permit.
Compare Carriers That Write Your Violation Type
Start by identifying which carriers write policies for your specific violation type. If you have a DUI, you need a carrier that writes after-DUI policies and files SR-22. If you have a lapse, you need a carrier that writes policies for drivers with coverage gaps. If you don't own a vehicle, you need a carrier that writes non-owner policies for high-risk drivers. Not all carriers write all three. Request quotes from at least three carriers writing your violation type. Compare the total premium for liability plus PIP plus any required UM coverage, not just the liability portion.
When comparing quotes, confirm the coverage limits the carrier is quoting. Ask whether the carrier will write the statutory minimums or whether higher limits are required. If higher limits are required, compare the higher-limit quotes across carriers rather than trying to force a carrier to write a policy it won't underwrite. A policy you can't buy does not help you meet the state's requirements.
Get Quotes from Carriers Writing High-Risk Policies in Hawaii
You now know which carriers write high-risk policies in Hawaii, what coverage structure meets both state requirements and carrier underwriting rules, and how SR-22 filing works if your violation requires it. The next step is to request quotes from carriers writing your violation type. Use the site's comparison tool to see which carriers write policies for drivers with your violation history, or contact Geico, Progressive, National General, and Farmers directly — all four write after-violation policies and file SR-22 in Hawaii. Compare total premium for liability plus PIP plus any required UM coverage, confirm the limits the carrier is quoting, and verify that the policy meets Hawaii's continuous-coverage requirement if you're filing SR-22. A policy that keeps you legal and preserves your license is the policy you need.