HRS §431:10-218

All insurance charges must be in the stated premium

Read the official text at capitol.hawaii.gov ↗

This section says the premium shown in an insurance policy must include all fees and charges for the insurance or getting it. It does not apply to surety or group insurance. No insurer or their workers can charge extra fees not in that premium.

The statute, as written — Stated premium must include all charges

A copy, taken August 20, 2026. The version published by the Legislature is the one that governs, and it may have changed since. Check it before relying on anything here.

(a) The premium stated in the policy shall be inclusive of all fees, charges, premiums, or other consideration charged for the insurance or for its procurement. This subsection shall not apply to surety or group insurance contracts. (b) No insurer or its officer, employee, producer, or other representative shall charge or receive any fee, compensation, or consideration for insurance which is not included in the premium specified in the policy.

Read the official text at capitol.hawaii.gov ↗as published Jan 6, 2026our copy taken Aug 20, 2026

LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.