Almost every state (except New Hampshire and Virginia) requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.

The cost of insurance is affected by many factors, including the driver’s driving record. A single speeding ticket can increase your insurance rates by as much as 25-30%, and more serious offenses such as DUI/DWI, street racing, or hit-and-run can increase the cost of your insurance by 75% or more.

A driver who has received a ticket or citation for a criminal offense or traffic violation with the potential to increase their insurance rates may want to consult with a lawyer who has relevant experience and expertise.

In Hawaii, as in most states, drivers are required to carry a minimum amount of auto insurance. The coverage must include both bodily injury liability and property damage liability. The minimum amounts required by Hawaii law are $20,000 per person and $40,000 per accident for bodily injury liability, and $10,000 per accident for property damage liability. Additionally, Hawaii requires personal injury protection (PIP) coverage with a minimum limit of $10,000. This is because Hawaii is a no-fault state, meaning that PIP coverage pays for medical expenses, lost earnings, and other damages regardless of who is at fault in an accident. The cost of auto insurance in Hawaii can be influenced by various factors, including the driver's record. Traffic violations such as speeding can increase insurance premiums significantly, while more severe offenses like DUI/DWI can lead to even higher rate hikes. Drivers in Hawaii who have received traffic citations or have been involved in incidents that may affect their insurance rates should consider consulting with an attorney who specializes in traffic violations or insurance law to explore their options and potentially mitigate the impact on their insurance costs.