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How a speeding ticket impacts your insurance in Hawaii

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Drivers in Hawaii who receive a speeding ticket will face a few consequences, one of which is a higher car insurance premium. Whether you are a new Hawaii driver or a lifelong resident, it is important to understand the laws around speeding tickets in the Aloha State and how they can impact your car insurance rate.

How much is a speeding ticket in Hawaii?

The cost of a speeding ticket in Hawaii varies based on the type of infraction and how fast the driver was going over the posted speed limit. For example, if a driver is caught speeding less than 10 miles per hour over the speed limit, they can expect around a $200 violation for the first offense. However, speeding in a construction zone can increase the fine to $250, plus a surcharge of $100.

Hawaii drivers who are considered speeding excessively can receive fines of $500 or higher for their first offense. These repeat driving behaviors can also result in up to 30 days in jail.

How much does a speeding ticket increase your car insurance in Hawaii?

Hawaii drivers can expect about a 12% increase in car insurance premiums after receiving one speeding ticket, according to Bankrate’s analysis of car insurance premiums provided by Quadrant Information Services.

Age Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
40-year-old driver $1,127 $1,266 12%

How to lower your car insurance after a speeding ticket in Hawaii

If you are convicted of a speeding ticket in Hawaii, your car insurance premium will increase. The actual rate increase varies based on the circumstances of your ticket, your auto insurer and your personal profile. However, there may be ways to reduce your rate, even after receiving a ticket.

Get quotes from other car insurance companies

Consider getting quotes from other carriers to see if you can find a lower rate elsewhere. Switching insurance companies can help you save money after a speeding ticket, and you can usually switch at any time. Just make sure the carrier pulls your motor vehicle report with your recent ticket on it, or disclose it to the carrier to make sure they are quoting you at the most accurate rate. This is to avoid differences in premium between your quotes and when it is time to set up your new policy.

Below are the average annual premiums before and after a speeding ticket from some of the best Hawaii car insurance companies:

Car insurance company Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
Allstate $1,260 $1,876 49%
Island $1,606 $1,704 6%
State Farm $1,069 $1,299 22%
USAA $1,009 $1,023 1%

*Premiums are average annual full coverage premiums for 40-year-old drivers

When shopping for a lower car insurance rate, it is important to compare providers based on factors other than price. Look at the insurer’s customer ratings, financial strength scores, coverage options, discounts and claim handling reviews. Just because a provider offers low rates does not mean it is the best insurance company for your needs.

Take a defensive driving course

Many insurance providers offer a discount to drivers who complete an approved defensive driving course or similar driver training program. Not only will you get a discount, but it also proves to your insurance company that you are committed to safe driving. Just make sure to check with your insurer to see if the discount is offered and what the criteria is to earn the discount.

Frequently asked questions

What is the best car insurance company for drivers with speeding tickets?

The best car insurance company for drivers with a speeding ticket on their record will vary based on a number of factors. The best company depends on what type of coverage they need, what type of vehicle they drive, their driving histories, among other things. Some of the top-rated providers are USAA, Nationwide, Amica and Geico.

What is the average cost of car insurance in Hawaii?

The average cost of car insurance in Hawaii is $1,127 per year for a full coverage policy, which is about $94 a month. Hawaii drivers pay significantly lower rates than the national average cost of full coverage car insurance, which is $1,674 per year.

How much car insurance is required in Hawaii?

Drivers in Hawaii are required to carry at least 20/40/10 personal liability insurance. That includes $20,000 in bodily injury liability coverage per person, $40,000 in bodily injury liability coverage per accident and $10,000 in property damage liability coverage. In addition, drivers have to carry at least $10,000 in personal injury protection (PIP).


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old drivers with a clean driving record and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base) and a single speeding ticket.

These are sample rates and should only be used for comparative purposes.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, and NextAdvisor, among others
Edited by
Managing Editor