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.
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.
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.
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.
|Average Percent Increase After DUI|
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.
|Most Expensive State for DUI (1-50)|
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.
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.
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.
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The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.