MoneyGeek ranked State Farm as the best car insurance company for DUI as well as the most affordable in Hawaii for both full and minimum coverage policies. You can compare the costs of various insurance types using the table below.
Auto Insurance
Getting Car Insurance in Hawaii After a DUI (2024)
Updated: November 21, 2024
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Key Takeaways
In Hawaii, after a DUI, the two cheapest providers for full coverage car insurance are State Farm, at $911 per year, and Progressive, at $2,344 per year.
In Hawaii, after a DUI, the two cheapest providers for minimum coverage car insurance are State Farm at $478 per year and Progressive at $1,088 per year.
State Farm is the best full coverage provider for drivers in Hawaii with a DUI, offering an annual cost of $911 and earning high marks for affordability and customer satisfaction.
Insurance companies have the right to refuse to insure people with a DUI conviction on their record, regardless of where they live. Your insurance premiums will increase if your insurance company decides to maintain your policy after you get a DUI. This is because drivers who are charged with DUI are considered high-risk and are more likely to file a claim.
The consequences for a DUI conviction in Hawaii are defined by law, but the judge has discretion in sentencing according to the state’s potential penalties. In addition to having their driver's license suspended, Hawaii drivers with a DUI could pay up to 201.04% more for a full coverage insurance policy.
Cheapest Car Insurance Companies in Hawaii After a DUI
Across the country, State Farm and Progressive offer the cheapest car insurance after a DUI. In Hawaii, specifically, both these car insurance companies are also the leading providers for drivers who are looking for the most affordable car insurance after DUI.
Cheapest Companies for Full Coverage in Hawaii After a DUI
On average, the following insurance companies in Hawaii offer the cheapest full coverage car insurance for DUI drivers:
- State Farm: $911 per year
- Progressive: $2,344 per year
USAA is Hawaii's second-cheapest option, at approximately $1,294 per year. However, it's only available to active military members, veterans and their families.
Cheapest Car Insurance for Full Coverage After a DUI
| 1 | State Farm | $911 |
| 2 | USAA | $1,294 |
| 3 | Progressive | $2,344 |
| 4 | Allstate | $3,260 |
| 5 | GEICO | $4,256 |
Cheapest Companies for Minimum Coverage in Hawaii After a DUI
On average, based on MoneyGeek's analysis, the following companies offer the cheapest minimum coverage car insurance for DUI offenders in Hawaii:
- State Farm: $478 per year
- Progressive: $1,088 per year
USAA has one of the lowest annual premiums, at around $554 per year, but is limited to military personnel and their families.
Cheapest Car Insurance for Minimum Coverage After a DUI
| State Farm | $478 |
| USAA | $554 |
| Progressive | $1,088 |
| GEICO | $2,092 |
| Allstate | $2,234 |
| Farmers | $2,971 |
MONEYGEEK EXPERT TIP
The cheapest option isn't necessarily the best when it comes to vehicle insurance. Despite the fact that Hawaii law only requires you to have liability insurance and no comprehensive or collision insurance, MoneyGeek recommends that you find out how much car insurance you need to protect yourself and your assets.
Top Car Insurance Companies in Hawaii After a DUI
To assist you in finding the best coverage for your needs, MoneyGeek analyzed insurance companies based on pricing, financial stability and customer satisfaction. Based on our findings, State Farm is the best car insurance for DUI in Hawaii for both full and minimum coverage.
Best Companies for Full Coverage in Hawaii After a DUI
In Hawaii, the top two insurers for full coverage car insurance for DUI offenders are State Farm and Progressive. You can discover more about each insurer's policies, pricing and important features using MoneyGeek's rankings below.
1
State FarmBest full coverage after a DUI
Score:4.5
State Farm's full coverage insurance for an average driver in Hawaii is around $835 per year. The average annual premium for car insurance for DUI drivers rises by roughly 9.10% to around $911, according to recent numbers.
More About State Farm
MoneyGeek’s research indicates that State Farm is a top-rated auto insurer. When insurance comes to customer service, financial stability and discounts, State Farm has an excellent track record. Like most insurers, State Farm provides typical coverages, including liability, comprehensive and collision insurance.
2
Progressive
Score:4.2
A full coverage policy from Progressive costs roughly $1,457 per year for drivers in Hawaii with a clean driving record. DUI offenders, on the other hand, pay an average of $2,344 per year, which is an increase of 60.88%.
More About Progressive
Progressive scores highly in terms of complaints, financial stability and discounts. However, it has low satisfaction and bad affordability ratings. For most drivers, purchasing a Progressive coverage is neither cheap nor expensive, with the exception of young drivers, who face higher premiums.
Best Companies for Minimum Coverage in Hawaii After a DUI
While minimum coverage is the most affordable option, it may not offer enough protection for every situation. MoneyGeek looked at a number of Hawaii car insurance companies that offer minimum coverage policies and reviewed the top options, State Farm and Progressive, below.
1
State FarmBest minimum coverage after a DUI
Score:4
Without a DUI, a State Farm minimum coverage policy costs around $436 per year. DUI offenders, on the other hand, pay roughly $478 per year. This is an increase of 9.10%.
More About State Farm
State Farm is an excellent value for our sample driver who only needs minimum coverage. State Farm is a top-rated auto insurer, according to MoneyGeek’s research. Despite the lack of any unique coverages, State Farm is an affordable option for most drivers.
2
Progressive
Score:4
For drivers with a clean driving record, a Progressive minimum coverage policy can cost around $739 per year. DUI offenders, on the other hand, pay an extra 60.88%. This is a huge increase of $1,088 each year.
More About Progressive
Unless you're an inexperienced driver, Progressive is neither inexpensive nor expensive, regardless of the minimum coverage you get. Progressive's auto insurance prices for young drivers are high. This might be due to the fact that young drivers lack experience.
How Much Does Car Insurance Cost in Hawaii After a DUI?
The average cost of car insurance in Hawaii after a DUI increases drastically by 201.04%. The average annual cost of a full coverage policy with a DUI conviction is $3,004. Meanwhile, drivers with no infractions pay only $998 for the same coverage. MoneyGeek outlines how and why your auto insurance costs may differ after you get a DUI in Hawaii.
How long does a DUI affect the cost of your car insurance?
Depending on your state, a DUI conviction may stay on your record for several years, sometimes known as a look-back period. A ten-year look-back period applies in Hawaii. Look-back periods are lengthened to accommodate criminal punishments for repeat DUI offenders.
Average Cost
Full Coverage
$998
Average Cost with DUI
Full Coverage
$3,004Full coverage policy premiums after a DUI cost::$2,006 more
This is 201% more expensive.
Since you're labeled as a high-risk driver after a DUI, your Hawaii auto insurance premiums will rise. Use MoneyGeek's car insurance calculator to get a more personalized idea of how your premiums might change after a DUI.
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Rates updated:
Nov 21, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
MONEYGEEK EXPERT TIP
An increase in car insurance isn't the only cost you'll incur as a result of a DUI. In addition to higher car insurance rates, other DUI-related charges can quickly pile up. These include:
- Fines, court costs and legal fees: Additional fines of up to three times the original amount might be applied.
- Impound/towing fee: Since you won't be able to drive if you're arrested, the police will have your automobile towed and seized.
- Drug education and treatment: A requirement for alcohol or drug education could range from an eight-hour online course to months of treatment.
- Fee for DMV reinstatement: After your license has been suspended, you will have to pay a fee to get it reactivated.
Getting Car Insurance in Hawaii After a DUI
Some car insurance companies refuse to cover drivers who have been convicted of DUI since they are private businesses. They have the legal right to terminate or refuse to renew car insurance policies for DUI offenders. It can be particularly difficult to obtain insurance in Hawaii because the look-back period is ten years.
If you have a DUI, you can still shop around, compare estimates and pick the best insurance company for your profile. For the same driver in Hawaii, premiums from different insurance carriers can vary substantially. You're more likely to save money on your rates simply by comparing quotes.
MONEYGEEK EXPERT TIP
If you have a significant traffic violation on your record, you are classified as a high-risk driver and must have SR-22 insurance in Hawaii to demonstrate that your coverage fulfills the state's minimum criteria. Due to the serious driving infraction on your record, SR-22 insurance is the same as regular auto insurance but with a higher premium.
Hawaii DUI Laws
Driving while intoxicated or under the influence of drugs or alcohol is a serious crime. Hawaii has its own DUI laws with slightly varied definitions and penalties. Driving or being in physical control of a vehicle with a blood alcohol concentration of 0.08% or more can result in a DUI in Hawaii that causes license suspension, the installation of ignition interlocks and more.
Driving with a BAC at or above 0.08% is considered a DUI
Blood Alcohol Content (BAC) is a percentage measurement of alcohol in the blood. To determine whether you are intoxicated, law enforcement officers might administer a series of examinations known as field sobriety tests.
No increased penalties for high BAC offenders
There are no extra punishments for high BAC offenders in Hawaii as of January 1, 2011.
3-month administrative license suspension on first offense
Your license will be suspended for 90 days to one year if you have never been convicted of a DUI before or if your last DUI was more than five years ago. Community service might be ordered instead of or in addition to a jail sentence in some instances.
Limited driving privileges after 30 days
Employed people who lose their driver's license in Hawaii due to a DUI can usually apply for restricted driving privileges that allow them to drive to and from work. This is determined by the availability of other modes of transportation.
Ignition interlocks are mandatory for all convictions
You must install an ignition interlock device in your vehicle in order to obtain your limited driving permit in Hawaii. Your application must also include proof of the leasing agreement as well as confirmation of insurance.
Open container laws
There are no open container laws in Hawaii.
Repeat offender laws
There are no repeat offender laws in Hawaii.
Auto Insurance
Frequently Asked Questions
Discovering the best car insurance with DUI in Hawaii may seem difficult. Fortunately, MoneyGeek has provided answers to some frequently asked questions to help you get started.
Will my insurer continue to cover me if I get a DUI in Hawaii?
You should ask your insurance company directly since insurers are not required by Hawaii law to continue to cover DUI offenders. They have the option to cancel or refuse to renew your policy.
How much do car insurance premiums increase in Hawaii after a DUI?
After a DUI, rates in Hawaii can increase by a whopping 201.04%. Full coverage auto insurance in Hawaii costs an average of $998 per year. Meanwhile, with a DUI conviction, the cost drastically increases to around $3,004.
What is the cheapest car insurance company in Hawaii after a DUI?
State Farm is the company that provides the most affordable car insurance for DUI-convicted drivers. Progressive is also an affordable option.
How long will having a DUI affect my car insurance rates?
Due to Hawaii's look-back period, your auto insurance premiums could be higher for the next ten years. However, it is always important to note that your car insurance rates will still depend on your individual preference and circumstance.
How do I get car insurance if I have a DUI?
After a DUI, it may be tough to get an affordable insurance policy. It is recommended by MoneyGeek to compare rates to find an insurer who can best fit your specific needs.
Methodology
To determine the top companies for individuals with DUIs in Hawaii, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
sources
- Drivers License Restorers. "Driver’s License Restoration Hawaii." Accessed November 21, 2024.
- LawInfo. "Hawaii Drunk Driving Laws." Accessed November 21, 2024.
- National Conference of State Legislatures. "Increased Penalties for High Blood Alcohol Content." Accessed November 21, 2024.
- Nolo. "Hawaii DUI/OVUII Laws and Penalties." Accessed November 21, 2024.
- Responsibility.org. "National Drunk Driving Statistics Map - Responsibility.org." Accessed November 21, 2024.