Hawaii Car Insurance with a DUI

If you get a DUI in Hawaii, your auto insurance is going to get pricier — it is just a question of how large the penalty will be.


How does a DUI influence auto insurance in Hawaii?


In Hawaii, a DUI violation will raise your annual auto insurance premium by an average of $2,201. That’s 50% more than the national average premium jump after a DUI.


CAR INSURANCE AFTER A DUI IN HAWAII — AVERAGE ANNUAL COST
LocationAvg. Annual Rate — no DUIAvg. Annual Rate — with DUIAvg. Increase After DUI
Hawaii$1,045$3,247+211%
United States$1,548$2,556+65%

Finding car insurance in Hawaii after a DUI conviction


Finding cheap car insurance after a DUI violation is not straightforward. In fact, a DUI usually results in a larger rate increase than does any other driving violation — more than an at-fault accident, racing, or reckless driving. Hawaii is an extremely poor place in which to rack up a DUI: its insurance rate raises are among the US' harshest.


Best car insurance after a DUI in Hawaii

If you've been convicted of a DUI or DWI violation in Hawaii, it’s key to consider your insurance possibilities thoroughly. Car insurance premiums following a DUI can vary substantially by company. For instance, the cheapest car insurance company with a DUI in Hawaii, State Farm, provides annual rates 60% better than the state average insurance premium after a DUI conviction. The second-most affordable insurer for car insurance after a DUI in Hawaii is USAA, while the priciest firm is Liberty Mutual, with premiums 102% above average.


CAR INSURANCE PREMIUMS WITH DUI IN HAWAII — BY INSURER
Insurance CompanyAvg. Annual Rate — After DUI
State Farm$1,311
USAA$1,895
GEICO$3,070
Allstate$3,563

There’s no auto insurance company in particular that offers low-cost DUI car insurance. The best course of action to save post-DUI citation is to compare policies.

Compare car insurance policies online or reach out to an insurance agent to weigh the choices and discover the best DUI insurance policy.

Learn more about car insurance and DUI infractions.

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Hawaii DUI laws

Drivers are deemed to be DUI in Hawaii if their blood alcohol concentration measures 0.08% or higher. Commercial drivers are DUI with a BAC of 0.04% and those under 21 years old are DUI if their BAC measures 0.02% or higher.


DUI penalties in Hawaii

Hawaii's lookback period is five years. Multiple DUI offenses within this period enhance the penalties of driving under the influence.

First-time DUI offenses in Hawaii lead to:

  • Generally no jail time, but the possibility of two to five days in jail
  • $150 to $1,000 in fines
  • Up to one year license revocation
  • $25 fee toward a neurotrauma special fund
  • $25 fee toward a trauma system special fund
  • Possibility of 72 hours of community service
  • Possibility of participation in a substance abuse program
  • Vehicle is impounded

A second DUI offense in Hawaii results in:

  • Five to 30 days in jail
  • $500 to $1,500 in fines
  • License revocation for up to two years
  • $25 fee toward a neurotrauma special fund
  • $25 fee toward a trauma system special fund
  • Possibility of up to 240 hours of community service
  • Attendance in a substance abuse program
  • Vehicle is impounded

Third-time DUI offenders in Hawaii are subject to:

  • 10 to 30 days in jail
  • $500 to $2,500 in fines
  • License revocation for up to two years
  • $25 fee toward a neurotrauma special fund
  • $25 fee toward a trauma system special fund
  • Vehicle is impounded

Repeated DUI offenses in Hawaii will result in the violator being declared a habitual offender. Additional offenses are treated as class C felonies and can lead to a lifetime revocation of an offender's driver's license. A habitual offender's vehicle may also be forfeited to the state.


DUI penalties for underage drinkers in Hawaii

Anyone less than 21 years old suspected of driving under the influence or found to have a measurable BAC is considered DUI in Hawaii.

For a first-time underage DUI, offenders will:

  • Pay a fine between $50 and $500
  • Need to attend an alcohol abuse education/counseling program for up to 10 hours (a parent/guardian must attend as well if offender is under 18 years old)
  • Have a 180-day license suspension (30 day absolute suspension if 18 or older, 150 days limited suspension for work/counseling)
  • May be required to perform up to 36 hours of community service

A second underage DUI offense leads to:

  • $300 to $1,000 in fines
  • License suspended for one year
  • Up to 50 hours of community service

A third underage DUI offense in Hawaii results in:

  • $300 to $1,000 in fines
  • Two-year license revocation
  • Up to 100 hours of community service

Sources and references:

https://www.dmv.org/hi-hawaii/automotive-law/dui.php

https://www.dmv.com/hi/hawaii/dui-dwi

https://dui.drivinglaws.org/hawaii.php

https://www.duiprocess.com/state/HI/duilaws.php

http://www.duiarresthelp.com/states/hawaii/dui-first-offense.php

https://www.nolo.com/legal-encyclopedia/hawaii-dui-dwi-33646.html

https://www.edgarsnyder.com/drunk-driving/driving-alcohol-laws/hawaii.html

https://www.criminalandmilitarydefensehawaii.com/DUI/Underage-DUI.aspx

Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.