- Does a DUI raise car insurance rates in Hawaii?
- How much does a DUI raise your insurance in Hawaii?
- If someone gets a DUI in your car, does it go on your insurance?
- How long does a DUI affect your insurance in Hawaii?
- How much does a DUI raise insurance by age group?
- How much does a DUI raise your insurance in your city?
- How to get car insurance after a DUI in Hawaii
- Hawaii DUI insurance requirements and penalties
- How long after a DUI does your insurance go down?
- Tips to save money after a DUI
- Methodology
- Hawaii DUI insurance: Frequently asked questions
- Compare Hawaii DUI car insurance rates with other states
Does a DUI raise car insurance rates in Hawaii?
With a clean driving record, car insurance in Hawaii costs $1,517. However, after a DUI, the average rate rises to $5,273, which is $3,756 higher.
Auto insurers raise premiums significantly when they view you as a high-risk driver. If you receive multiple DUIs, average rates rise sharply to $8,557.
How much does a DUI raise your insurance in Hawaii?
The cheapest insurer after a DUI is Progressive, with rates averaging $2,050. The next cheapest insurer is State Farm a difference of $73 from Progressive. Farmers has the third-most affordable car insurance rates with a DUI.
Not only is driving under the influence dangerous, but it's also expensive. You'll face hefty fines and increased car insurance rates for years. However, every company weighs a DUI differently and offers different rates, so comparing quotes from multiple insurers is essential.
This table shows average car insurance rates after a DUI in Hawaii.
| Company | Annual premium for clean records | Annual premium after a DUI | Annual premium after multiple DUIs |
|---|---|---|---|
| Progressive | $1,279 | $2,050 | $2,810 |
| State Farm | $1,938 | $2,123 | $2,123 |
| Farmers | $1,495 | $2,586 | $3,233 |
| Allstate | $1,882 | $4,769 | $5,893 |
| GEICO | $1,184 | $8,260 | $22,117 |
| Island Insurance | $1,771 | $15,066 | $20,976 |
| USAA | $1,067 | $2,146 | $2,849 |
PEOPLE ASK:
What happens when you get a DUI in Hawaii?
If you're convicted of a DUI in Hawaii, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and the DUI will stay on your record for three years.
If someone gets a DUI in your car, does it go on your insurance?
In most cases, insurance applies to the car rather than the driver, so your car insurance rates won't rise because the DUI will not appear on your driving record.
However, your premiums may rise if your car is involved in an accident caused by a DUI. Your vehicle may also be treated as a crime scene after the crash, meaning you won't be able to access it until the police release it.
How long does a DUI affect your insurance in Hawaii?
Although a DUI may stay on your driving record permanently, it doesn't impact your insurance rates indefinitely. A DUI influences car insurance in Hawaii and stays on your record for three years. Your premiums should start to go down after several years of maintaining a clean driving record with no additional violations.
PEOPLE ASK:
Will I have difficulty getting car insurance after a DUI?
It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.
How much does a DUI raise insurance by age group?
Younger drivers pay more for car insurance than older, more experienced drivers because they have less time on the road. Although a DUI raises rates for any driver, a teen's insurance costs surge even higher after a conviction. The average car insurance rate for a teen with a DUI is $2,123.
These are the cheapest companies after a DUI by age:
- For teens: State Farm is the cheapest at $2,123.
- For young adults: Progressive offers the cheapest young adult coverage at $2,050.
- For adults: Progressive, with an average rate of $2,050.
- For seniors: Progressive has the most affordable average rate at $2,050.
This table shows how a DUI affects car insurance rates based on age group.
| Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| State Farm | $1,938 | $2,123 | $185 | 10% |
| Farmers | $1,495 | $2,586 | $1,091 | 73% |
| Progressive | $1,865 | $2,888 | $1,023 | 55% |
| Allstate | $1,882 | $4,769 | $2,887 | 153% |
| GEICO | $1,332 | $8,263 | $6,931 | 520% |
| Island Insurance | $1,771 | $15,066 | $13,295 | 751% |
| USAA | $1,115 | $2,246 | $1,131 | 101% |
How much does a DUI raise your insurance in your city?
The most affordable city in Hawaii for car insurance after a DUI is Honolulu, while the most expensive is Captain Cook, with an average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $5,622. Where you live affects your insurance costs even without a DUI. Drivers in areas with higher traffic or higher rates of vehicle theft pay more because their cars face a greater risk. A DUI then pushes those already high rates even higher.
This table shows average DUI car insurance rates by city. Compare rates in large cities to rural areas to see how your location impacts rates.
| City | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| Captain Cook | $1,630 | $5,622 | $3,992 | 245% |
| Hakalau | $1,630 | $5,622 | $3,992 | 245% |
| Honolulu | $1,515 | $5,258 | $3,743 | 247% |
| Kailua | $1,575 | $5,466 | $3,891 | 247% |
| Schofield Barracks | $1,515 | $5,258 | $3,743 | 247% |
How to get car insurance after a DUI in Hawaii
Insurers will consider you a high-risk driver after a DUI, but you can still get car insurance. Finding the right coverage after a DUI conviction may take some extra effort.
If you already have car insurance and receive a DUI, your insurer will likely keep your policy active. However, your premiums will rise when it's time to renew.
If you need car insurance after a DUI or want to find the most affordable rates, take the time to compare different policies. Get quotes from several insurers to find the cheapest option in Hawaii, as each company sets its own rates after a DUI.
Hawaii DUI insurance requirements and penalties
A DUI in Hawaii means you must meet specific requirements for high-risk drivers. In Hawaii, you will need an SR-22. An SR-22 is a form filed by your insurance company that shows the state that you have at least the minimum amount of car insurance required by law. While an SR-22 doesn't increase your car insurance rates, the cause behind the form does.
A DUI can lead to fines, a driver's license suspension, car impoundment, and jail time. Multiple offenses have more severe penalties. Additionally, you may have to pay lawyer fees, towing charges, and impound fees.
The table below indicates Hawaii DUI laws and penalties based on first and subsequent offenses.
| Increased penalty for high BAC | None |
| Administrative license suspension after a first offense | 3 months |
| Limited driving privileges during suspension | After 30 days |
| Ignition interlocks | Mandatory for all convictions |
| Open container laws | No |
| Repeat offender laws | No |
*BAC is blood alcohol concentration
How long after a DUI does your insurance go down?
A DUI impacts car insurance rates for at least three years, although the exact duration depends on the state. In some places, such as California, a DUI can influence your rates for up to 10 years.
Drivers in Hawaii can expect elevated car insurance rates after a DUI and expect it to stay on their record for three years.
Tips to save money after a DUI
A DUI will cost you thousands of dollars in fines, fees, and increased car insurance rates. Fortunately, there are ways to get lower rates after a DUI.
Ways Hawaii drivers can save on car insurance after a DUI include:
- Raise your deductible to lower rates
- Look for car insurance discounts, like multi-policy and vehicle safety feature savings
- Keep your driving record clean going forward
- Take a defensive driving course
- Improve your credit score
- Compare rates from multiple companies
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- One and two DUI convictions
- Ages ranging from 16 to 75
Learn more about our data and methodology.
Hawaii DUI insurance: Frequently asked questions
How far back do insurance companies look for a DUI?
Depending on the state, a DUI can remain on your driving record for up to 10 years. In most cases, a DUI affects car insurance rates for only three to five years.
Will my insurance drop me after a DUI in Hawaii?
Most insurers will not cancel your policy after a single DUI, but your rates will rise sharply. However, multiple DUIs may lead your insurer to deny coverage. The higher the risk you present, the harder it becomes to secure car insurance.
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