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Cheap DUI Car Insurance in Hawaii (With Quotes)

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Doug Shaffer

By: Doug Shaffer

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Best DUI Insurance Companies in Hawaii (2022)

For drivers with a DUI or DWI offense in Hawaii, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Hawaii. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in Hawaii.

CarrierAvg. Monthly Cost
Farmers Insurance Group$140

DUI Car Insurance Costs in Hawaii

In Hawaii, a DUI or DWI offense will on average have drivers paying $372 per month and $4,464 per year for their car insurance rates.

Compared to drivers with a clean driving record, that is on average an 244% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.

Avg. Monthly Cost - No Violation
$108
Avg. Monthly Cost - After DUI
$372
$264 ▴
244.44% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates

Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

How Much Does a DUI Impact Car Insurance Rates in Hawaii?

Having a DUI on your driving record will impact car insurance rates regardless of what state you live in, but this is especially true in Hawaii. In fact, Hawaii has one of the highest percentage increases when it comes to auto coverage for drivers with a DUI. Currently, if you have a DUI violation on your record you will pay 244.71 percent more than someone without an incident.

Auto insurance rates for drivers with a clean record are extremely affordable, with an average rate of $108. Drivers with a DUI will pay an average monthly premium of $372.29 for car insurance.

No Violation - Avg. Monthly Rate After DUI - Avg. Monthly Rate Average Percent Increase After DUI
$108$372244.44%

What Are the Average Car Insurance Prices After a DUI in Hawaii?

Even though Hawaii has one of the highest percentage increases for auto insurance coverage, they currently rank 26th for overall costs. Drivers who have a DUI on their record should expect to pay an average of $372.29 for coverage on their vehicle. This is five times lower than the total cost of coverage for the highest state on the list, Michigan.

The average rate in Hawaii increases substantially with every DUI offense, so keeping a clean record is important if you want your rates to decrease over time.

Hawaii After DUI Avg. Monthly Rate Most Expensive State for DUI (1-50)
$37226th

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How Long Is the Lookback Period for a DUI in Hawaii?

There is a good chance that if you have multiple DUIs within a short period of time, you will receive harsher penalties. This is mainly due to DUI violations being considered priorable offenses. To reward drivers who manage to keep a clean driving record after their incident, some states have a lookback period. During this period, the state can count previous DUI occurrences against you, but once you are past the lookback period, they will no longer be considered.

Although your auto insurance rates for a DUI in Hawaii will shoot up, the lookback period is one of the shortest across the country. Currently, DUIs will be considered on your driving record for five years. However, several offenses within the five-year window can result in longer lookback periods and harsher penalties.

Hawaii DUI Penalties

Although Hawaii has penalties for DUIs, the state tries to incorporate measures other than just fines and jail time. For example, first-time DUI violators will have to pay a fine of up to $1,000, but they typically won't face any jail time. Instead, they will be asked to complete 72 hours of community service and pay two $25 fees, one toward a neurotrauma special fund and one toward a trauma system special fund.
As seen in drivers with three offenses, there still isn't a big weight put behind jail time, as they will spend at most 30 days incarcerated. However, the community service hours required are increased to as much as 240 hours. There is also the possibility of the driver having their vehicle impounded.

Top Auto Insurance Companies

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FAQs - Hawaii Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Hawaii. Insurify analyzed the latest data for the five most populous cities in Hawaii to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Hawaii and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Doug Shaffer
Doug Shaffer

Insurance Writer

Doug Shaffer works as a content writer. He has had the opportunity to write for several national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. He enjoys being able to break down complex insurance jargon to allow consumers to fully understand their policies.

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