Minimum liability: $40,000/$80,000 bodily injury, $20,000 property damage.

Personal Injury Protection (PIP): At least $10,000 per person.

The practice vehicle must carry the required insurance when it is driven; proof of vehicle insurance is not part of the standard permit application.

Discounts to Lower Costs:

Good Student Discount: Submit report cards showing a B average (3.0 GPA) for 10-25% off.
Driver's Education Completion: State-approved courses earn 5-20% discounts.
Multi-Policy or Multi-Car: Bundle home and auto or add multiple vehicles for 15-25% off.
Away at School: Teens at college over 100 miles away without a car qualify for 10-40% off.

Submit the DE-20 and DE-21 driver's ed completion certificates to the DMV and your insurer separately. The Maui DMV office in Wailuku doesn't forward these to insurance companies,families miss discounts for months because of this. See teen driving insurance tips for more strategies.

Do Hawaii teen-driver discounts start during the permit stage or after licensing? It depends on the insurer and the discount. Ask when good-student, driver-training, or other teen discounts become available and what proof the carrier requires.

Where to Check Hawaii Permit Documents and Fees

Insurance is not a standard document requirement for obtaining the Class 3 instruction permit itself. Application documents, written-test details and county fees belong in the dedicated Eligibility, Permit Test Prep and Fees & Costs pages.

28:T1676,

Hawaii Fake Instruction Permit: Criminal Charges and Licensing Consequences (2026)

Possessing, displaying or using a fictitious or fraudulently altered Hawaii driver credential is prohibited under HRS §286-131. A separate forgery charge may also apply when the facts meet the elements of Hawaii forgery law, but it is not automatic in every fake-permit case.

Criminal Charges for a Fake Hawaii Instruction Permit

HRS §286-131 directly prohibits possessing or displaying a fictitious or fraudulently altered driver's license, lending a license, using another person's license, and possessing a reproduction or imitation.

Conduct	Main legal issue
Fake or altered permit	HRS §286-131 directly applies. A forgery charge may also apply if the separate elements of the forgery statute are proved.
Lending your real permit	Also covered by HRS §286-131. The dedicated permit-misuse page owns the detailed consequences.
Using someone else's real permit	Also prohibited by HRS §286-131. Treat this as permit misuse rather than automatically calling it felony forgery.

Second-degree forgery under HRS §708-852 is a Class C felony, but it requires the facts to satisfy that statute. Do not describe every fake-permit case as automatic felony forgery.

What Counts as a Fake or Altered Hawaii Instruction Permit?

HRS §286-131 covers several kinds of credential misuse, including a fictitious or fraudulently altered license and a reproduction, imitation, or facsimile that lo

Real experiences from the Shoro.ai community

Real experiences from the Shoro.ai community