Non-Owner Car Insurance
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Non-Owner Car Insurance — Hawaii

A Hawaii non-owner policy gives you the state's 20/40/10 liability minimum plus required PIP without owning a car, and can file the SR-22 the state requires when a court or the DMV mandates it. Geico, Progressive, and USAA write non-owner policies here and file non-owner SR-22s.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated July 2026

Non-Owner Liability Requirements in Hawaii

Hawaii requires every driver to carry at least $20,000 bodily injury per person, $40,000 per accident, and $10,000 property damage — plus Personal Injury Protection (PIP) coverage. A non-owner policy meets these minimums without an owned vehicle. When a court or the state mandates an SR-22 filing after a DUI or other qualifying violation, a non-owner SR-22 satisfies the requirement for drivers who own no car.

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20/40 minimum
Bodily Injury Liability
Covers injury to others when you're at fault driving a borrowed, rented, or shared car. Hawaii's 20/40 minimum means $20,000 per person and $40,000 per accident. A non-owner policy provides this liability without an owned vehicle, sitting secondary behind any coverage on the car you drive.
$10,000 minimum
Property Damage Liability
Pays for damage to another person's property when you're at fault. Hawaii requires $10,000 minimum. A non-owner policy carries this limit and applies after any coverage on the vehicle you're driving.
Required by Hawaii no-fault law
Personal Injury Protection (PIP)
Hawaii is a no-fault state under HRS §431:10C, requiring PIP coverage on every policy. A non-owner policy includes PIP to cover your own medical expenses and lost wages after an accident, regardless of fault. This coverage follows you, not the car.
Required after DUI or qualifying violation
Non-Owner SR-22 Filing
When Hawaii mandates SR-22 filing after a DUI conviction or other violation under HRS §286-111, a non-owner SR-22 satisfies the requirement for drivers who own no car. The filing period varies by violation — typically 3 years for DUI under HRS §291E-41 with ignition interlock required during any restricted license period. Geico, Progressive, National General, and USAA file non-owner SR-22s in Hawaii.
Not required but recommended
Uninsured Motorist Coverage
Hawaii does not mandate uninsured motorist coverage, but most non-owner policies include it as standard protection. It covers your injuries when an at-fault driver carries no insurance. Because a non-owner policy is secondary, this coverage matters most when the car you're driving has no UM coverage of its own.
State-Mandated Minimum Coverage · Hawaii

Hawaii Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$40,000
Bodily Injury (per accident)$80,000
Property Damage$20,000

Meeting the state minimum keeps you legal. See whether it's enough — get your Hawaii quote.

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What Shapes Non-Owner Costs in Hawaii

Non-owner premiums in Hawaii depend on your driving history, whether you need an SR-22 filing, and the coverage limits you select above the state minimum. Hawaii's island geography and county-administered DMV structure mean processing times and carrier availability vary by island, which can affect filing timelines and policy setup.

What Affects Your Rate

  • Hawaii's county-administered licensing system means reinstatement and SR-22 filing procedures vary by island — Honolulu, Maui, Hawaii County, and Kauai each process through separate offices, affecting timelines.
  • The state's no-fault law requires PIP on every policy, including non-owner, adding a mandatory cost layer not present in tort states.
  • SR-22 filing period for DUI is typically 3 years under HRS §291E-41, and ignition interlock is mandatory during any restricted license period, increasing total compliance cost.
  • Only four carriers write non-owner SR-22 policies in Hawaii — Geico, Progressive, National General, and USAA — limiting price competition for drivers who need a filing.
  • Drivers maintaining continuous coverage between cars avoid Hawaii's lapse penalties, which can include registration suspension under HRS Chapter 287 and higher future premiums.
  • Hawaii's island geography means no inter-island driving by road, so restricted license route conditions are bounded by the driver's island of residence, simplifying compliance but not reducing cost.
Non-Owner Liability Only
20/40/10 + PIP
For drivers maintaining continuous coverage between cars or regularly borrowing vehicles, with no violations requiring a filing.
Non-Owner With SR-22
3-year filing
For drivers who need to file SR-22 proof of financial responsibility but own no car. Ignition interlock required during any restricted license period.
Non-Owner After Major Violation
Limited carriers
For drivers reinstating a license after suspension or revocation, requiring both SR-22 filing and non-standard coverage.

Get non-owner SR-22 coverage without owning a vehicle

Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.

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Coverage Types

Non-Owner Liability Insurance

Covers bodily injury and property damage when you're at fault driving a car you don't own. Secondary to any coverage on the vehicle itself.

Non-Owner SR-22 Insurance

Satisfies Hawaii's SR-22 filing requirement after a DUI or qualifying violation for drivers who own no car. Filed by the carrier directly with the state.

Uninsured Motorist Coverage

Protects you when an at-fault driver has no insurance. Not required in Hawaii but commonly included in non-owner policies.

Non-Standard Auto Insurance

Coverage for drivers with violations, suspensions, or DUI convictions who cannot qualify for standard policies. Includes non-owner options.

Find Your City in Hawaii

Honolulu, Hawaii cityscape and street view

Honolulu

urban
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Pearl City

suburban
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Hilo

urban
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Kailua

suburban
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Waipahu

suburban

Frequently Asked Questions

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