One speeding conviction — published premium data across Hawaii (2026)
The driver, exactly as Hawaii Insurance Division defines it
One speeding conviction: Driver with one speeding conviction (no accidents) Usage: Pleasure Vehicle: 2024 Honda Accord, LX, 4-door sedan
Across Hawaii the median for this profile runs $632 in Kauai to $863 in Hawaii. Individual filed rates run $262 to $1,913.
Hawaii Department of Commerce and Consumer Affairs, Insurance Division · rates effective 1 January 2026 · annual premiums · 148 filed rates · retrieved 9 August 2026 · source document
- Islands published
- 4
- Filed rates
- 148
- Geographic median gap
- 36.6%
- Policy term
- annual
| Island | Filed rates (n) | Lowest | 25th percentile | Median | 75th percentile | Highest |
|---|---|---|---|---|---|---|
| Oahu | 37 | $343 | $502 | $811 | $1,140 | $1,913 |
| Maui | 37 | $317 | $478 | $765 | $1,124 | $1,913 |
| Kauai | 37 | $262 | $386 | $632 | $916 | $1,913 |
| Hawaii | 37 | $325 | $479 | $863 | $1,216 | $1,913 |
What these figures are, and what they are not
Each figure is computed from the premiums insurers filed with Hawaii Department of Commerce and Consumer Affairs, Insurance Division for one hypothetical driver the regulator defined. They are not quotes, not offers, and not what any individual pays. An insurer’s filed sample rate assumes the exact vehicle, mileage, record and coverage in the published profile, and nothing else.
Minimum coverages: $40,000/80,000 Bodily Injury Liability; $20,000 Property Damage Liability; $10,000 Personal Injury Protection; $40,000/80,000 Uninsured Motorist Stacked; $40,000/80,000 Underinsured Motorist Stacked. Vehicle: 2024 Honda Accord, LX, 4-door sedan. The Insurance Division states these are sample premiums for licensed insurers transacting the majority of the private passenger auto market in Hawaii. Only the full alphabetical table is used: the publication repeats a per-county subset of the same premiums twice more (alphabetically, then sorted by clean-risk premium), and reading those repeats would count the largest insurers three times. We publish the count and the distribution — the smallest filed rate, the quartiles, the median and the largest — and never a rate attributed to an insurer.
What Hawaii requires by statute
Hawaii's statutory minimum liability limits are 40/80/20. The profile above buys the coverage Hawaii Insurance Division specified for its own survey, which is a separate question from the legal minimum. Car-insurance requirements in Hawaii.
Coverage gap calculator
A liability limit caps what the policy pays. Anything above it is the at-fault driver’s own exposure. This works out the difference against the limits in your state’s statute — nothing else.
Above the limit
$22,000
A $42,000 property damage claim against Hawaii’s statutory minimum property damage of $20,000 leaves $22,000 above the limit.
General information, not insurance, financial or legal advice. Coverage requirements change; verify with your state insurance department or the statute before acting. Nothing you type here leaves your browser.
Every other profile Hawaii Insurance Division publishes
Questions about this profile
- Which driver does this page describe?
- One speeding conviction: Driver with one speeding conviction (no accidents) Usage: Pleasure Vehicle: 2024 Honda Accord, LX, 4-door sedan
- Why does the same driver cost so differently by island?
- Because geography is a rating factor. For this exact profile the median filed rate runs from $632 in Kauai to $863 in Hawaii, a gap of 36.6% for the same driver buying the same cover in the same state.
- Are these annual premiums?
- Hawaii Department of Commerce and Consumer Affairs, Insurance Division publishes annual premiums. This site never converts between the two terms and never places one state's figures beside another's.
Source: Hawaii Department of Commerce and Consumer Affairs, Insurance Division, rates effective 1 January 2026. Retrieved 9 August 2026. 148 filed rates aggregated into the 4 distributions above; statewide the survey holds 296 filed rates across 8 distributions. Widest single-cell spread on this page: 7.3×.