Non-owner car insurance in Hawaii

What companies offer non-owner insurance in Hawaii?

Here, rates from 4 companies were gathered, listed with the cheapest first. USAA charges $141 and serves only military families.

Hawaii policy minimums and options you may choose

The liability amounts are set by Hawaii Revised Statutes section 431:10C-301. When you cause an accident, liability coverage pays the other people involved. The required amount is $40,000 per injured person, and $80,000 for everyone hurt in one accident. For damage to property, your coverage needs to be at least $20,000.

These new figures take the place of the previous 20/40/10 limits, per the Insurance Division FAQ on the new minimums. The change affects new and renewal policies with an effective date of January 1, 2026, or later.

You must be offered two extra coverages. If the at‑fault driver has no insurance, uninsured motorist coverage pays for your injuries. Underinsured motorist coverage kicks in when the other driver's limits are not high enough. You decide whether to buy them.

Who in Hawaii must carry an SR-22, and who is excused from it?

Instead of a single statewide DMV, Hawaii sends SR-22 filings through each county office. For any policy that starts or renews on or after January 1, 2026, the liability minimums went up too, and insurers must make uninsured motorist coverage available.

A Financial Responsibility Section is run by each county. As HRS 287-1 states, the administrator role goes to the police chief or the finance director for the county. Your insurance company provides the SR-22. The certificate shows your liability insurance complies with the law. Your insurer provides the form; the Kauai Financial Responsibility Section does not supply it.

After a conviction causes a suspension or revocation, HRS 287-20 demands a filing, and the same applies after an administrative OVUII revocation. Hawaii's term for impaired driving is OVUII. Three situations are exempt: a plain moving violation, a first OVUII with a 291E-61(b)(1) sentence, and a first no-insurance conviction inside five years.

Starting on the date it was required, the proof continues for three years. HRS 287-21 says a person without a vehicle can give proof, too. That is the exact case a non‑owner policy is made for.

How to end a Hawaii filing properly after three years

The county does not cancel the requirement on its own. Once three years go by with no disqualifying conviction recorded, HRS 287-40 lets you request a cancellation. Giving up your license also brings it to an end. But if you apply again within those three years, you must restore proof for the remaining time.

HRS 287-33 states that, no fewer than ten days before a certified policy ends, the insurer must file notice with the county. When it does end, state law says you must hand in your license without delay.

Hawaii rates by age

The yearly cost for teens runs about $454. A driver aged 40 with minimum coverage on a car they own averages $477 yearly, roughly $88 over the $389 non‑owner cost.