Hawaii Multi-Violation License Suspension Insurance
Hawaii requires 40/80/20 liability coverage and is a no-fault state.
Get My Point-Reduction Insurance QuoteHawaii 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
Hawaii operates under a tort-based liability system, meaning the at-fault driver's insurance pays for damages in an accident. The state requires continuous proof of financial responsibility, and any lapse triggers immediate registration suspension. Hawaii does not use SR-22 certificates — instead, insurers report coverage status directly to the state electronically through a centralized verification system.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Personal Injury Protection (PIP)
What Drivers Pay in Hawaii
$217–$383/mo
Typical monthly rate in Hawaii, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Lapse history — any insurance cancellation or lapse within 24 months of the points suspension doubles the reinstatement premium; carriers view combined violations and lapses as extreme risk.
Find Coverage While Your Points Come Down
Get My Point-Reduction Insurance QuoteIf your license is suspended
Ignition Interlock Permit (IIP); Employee Driver Permit variant
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How many points suspend your license in Hawaii?
Hawaii suspends your driver license when you accumulate 12 or more points within a 12-month period. Points are assigned based on violation severity — speeding 20+ mph over adds 4 points, reckless driving adds 6 points, and minor infractions like failure to signal add 2 points. The 12-month lookback window moves continuously, so older violations drop off as new ones are added.
Does Hawaii require SR-22 filing after a points suspension?
Hawaii does not use SR-22 certificates. Instead, insurers report coverage status directly to the state electronically through a centralized verification system. You must maintain continuous liability insurance at minimum 20/40/10 limits after reinstatement — any lapse triggers automatic registration suspension. Carriers notify the state within 10 days of policy cancellation or non-renewal.
How long do points stay on your driving record in Hawaii?
Points remain on your Hawaii driving record for the violation's conviction date plus the applicable timeframe — typically 12 months for minor violations and 24–36 months for major violations like reckless driving. The suspension itself stays on your abstract for three years and is visible to insurance carriers during that period, affecting premium pricing even after points expire.
Coverage Types
High-Risk Auto Insurance
Policies for drivers with multiple violations, suspensions, or point totals above state thresholds. Underwritten through non-standard divisions with higher premiums and stricter terms.
Liability Insurance
Minimum required coverage that pays damages you cause to others. Does not cover your own vehicle or injuries.
Uninsured Motorist Coverage
Protects you financially when hit by a driver with no insurance or insufficient coverage.
Non-Standard Auto Insurance
Specialty policies for drivers who cannot qualify for standard coverage due to violations, lapses, or suspensions.