Hawaii SR-22 & High-Risk Auto Insurance
Hawaii requires 40/80/20 liability coverage and is a no-fault state.
Find SR-22 Coverage NowHawaii at a Glance
40/80/20
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
SR-22 filing is required following DUI convictions, major violations, license suspensions for traffic offenses, at-fault accidents without insurance, and accumulating excessive points. Drivers with violations on record often need coverage above state minimums to satisfy court orders or reinstatement conditions.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
SR-22 Certificate of Financial Responsibility
Uninsured/Underinsured Motorist Coverage
Cost Overview
$362–$383/mo
Typical monthly rate in Hawaii, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- Time since incident: rates decrease gradually after 3–5 years with no additional violations
- Island location: Oahu typically has lower rates than neighbor islands due to more carrier options and competition
- Credit-based insurance score: Hawaii allows insurers to use credit in underwriting, significantly impacting high-risk rates
- Vehicle type: older, high-theft vehicles like pickup trucks cost more to insure on the islands due to parts scarcity
See What Your SR-22 Should Really Cost
Find SR-22 Coverage NowIf your license is suspended
Ignition Interlock Permit (IIP); Employee Driver Permit variant
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 insurance in Hawaii?
Hawaii requires SR-22 filing for 3 years from the date of reinstatement or court order. The clock restarts if your coverage lapses at any point during this period, requiring you to refile and serve the full 3 years again. Maintaining continuous coverage without any lapses is the only way to satisfy the requirement and avoid extended filing periods.
Which insurance companies offer SR-22 in Hawaii?
Non-standard carriers operating in Hawaii include national high-risk insurers and specialty providers, though the island market has fewer options than mainland states. Working with an independent broker experienced in high-risk coverage can help you access multiple SR-22 carriers and compare quotes. Avoid naming specific companies without verification, as availability changes frequently in Hawaii's limited market.
Does Hawaii require SR-22 for suspended license?
Yes, Hawaii typically requires SR-22 filing to reinstate a suspended license following DUI convictions, major traffic violations, uninsured accidents, or accumulating 12+ points in 12 months. The DMV specifies SR-22 requirements in your suspension notice, and you must maintain the filing for 3 years from reinstatement to avoid further penalties.
Coverage Types
SR-22 Insurance
State-mandated proof of financial responsibility filed electronically with Hawaii DMV. Required for 3 years following DUI, major violations, or uninsured accidents, with immediate license suspension for any coverage lapse.
Liability Insurance
Covers bodily injury and property damage you cause to others. Hawaii's 20/40/10 minimums are often insufficient for drivers with prior violations, and courts frequently mandate higher limits for license reinstatement.
Personal Injury Protection (PIP)
Hawaii's no-fault coverage pays your medical bills, lost wages, and funeral expenses regardless of who caused the accident. Required at $10,000 minimum, but higher limits reduce out-of-pocket costs after serious injuries.
Uninsured/Underinsured Motorist Coverage
Protects you if hit by a driver with no insurance or insufficient coverage. Insurers must offer UM/UIM in Hawaii, and you can only reject it in writing.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers with DUIs, suspensions, lapses, or SR-22 requirements. These insurers charge higher premiums but provide access when standard carriers decline you.
Comprehensive & Collision Coverage
Comprehensive covers non-accident damage like theft, vandalism, or weather. Collision covers accident damage to your vehicle regardless of fault. Both carry deductibles, typically $500–$2,000 for high-risk drivers.