Hawaii SR-22 & High-Risk Auto Insurance
Hawaii requires 40/80/20 liability coverage and is a no-fault state.
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Hawaii 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 after DUI convictions, driving without insurance citations, multiple serious violations within 12 months, and license suspensions for points or refusal of chemical testing. High-risk drivers should understand that meeting state minimums may not provide adequate protection if another incident occurs.
Liability Insurance
SR-22 Insurance
Personal Injury Protection (PIP)
Uninsured Motorist Coverage
Non-Standard Auto Insurance
Cost Overview
$32/mo
Typical monthly rate in Hawaii, non-owner policies
Rate data: Insure.com, 2026
What Affects Your Rate
- Violation type and severity (DUI carries higher surcharges than speeding violations)
- Time since violation (rates decrease as violations age beyond 3–5 years)
- Island location (Oahu typically sees different rates than neighbor islands due to traffic density)
- Age and gender (young high-risk drivers pay significantly more than older drivers with similar violations)
- Vehicle type and value (comprehensive and collision costs increase with vehicle replacement cost)
- Credit-based insurance score where permitted (Hawaii allows use with restrictions)
Stay Covered While You Drive Borrowed Cars
Find Coverage After ViolationsIf 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 in Hawaii after a DUI?
Hawaii requires SR-22 filing for 3 years following a DUI conviction, starting from the date you file the certificate and reinstate your license. If your insurance lapses at any point during the 3-year period, your license is suspended immediately and the entire 3-year requirement restarts from zero once you file a new SR-22 and pay reinstatement fees. Maintaining continuous coverage without any gaps is essential.
Can I get car insurance in Hawaii with a suspended license?
You cannot legally drive with a suspended license, but you can purchase an SR-22 policy while suspended to meet reinstatement requirements. Many non-standard carriers in Hawaii will issue SR-22 policies to suspended drivers who are working toward reinstatement, though you'll pay high-risk rates. You must resolve all suspension conditions (pay fines, complete courses, file SR-22) before the Hawaii Department of Transportation will reinstate your driving privileges.
Which insurance companies offer SR-22 in Hawaii?
Non-standard carriers that operate in Hawaii and file SR-22 certificates include regional and specialty insurers, though availability is more limited than mainland states. Not all national carriers write high-risk business on the islands, so working with an independent agent who specializes in non-standard placements is often necessary. Expect fewer options and higher premiums than standard market drivers, but coverage is available.
What happens if my SR-22 insurance lapses in Hawaii?
If your SR-22 policy cancels or lapses for any reason during the 3-year requirement period, your insurer must notify the Hawaii Department of Transportation within 10 days. The state immediately suspends your driver's license, and the entire 3-year SR-22 requirement period restarts from zero once you purchase new coverage, file a new SR-22 certificate, and pay reinstatement fees. Continuous coverage without any gaps is mandatory.
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Required by Hawaii law and necessary for SR-22 filing, but state minimums of 20/40/10 may not adequately protect high-risk drivers from financial liability in serious accidents.
SR-22 Certificate Filing
Electronic certificate filed by your insurer proving you maintain continuous coverage meeting state minimums. Required for 3 years after DUI, uninsured driving, or serious violations, with immediate license suspension if coverage lapses.
Personal Injury Protection (PIP)
Mandatory no-fault coverage paying up to $10,000 for your medical expenses, lost wages, and funeral costs after an accident regardless of who was at fault. Cannot be waived in Hawaii.
Uninsured/Underinsured Motorist Coverage
Pays for your injuries and damages when hit by a driver with no insurance or insufficient coverage. Hawaii requires insurers to offer this coverage, though you can reject it in writing.
Collision Coverage
Pays to repair or replace your vehicle after a collision with another car or object, regardless of fault. Required by lenders for financed vehicles but optional if you own your car outright.
Non-Standard Auto Insurance
Specialized coverage designed for drivers with DUI convictions, multiple violations, at-fault accidents, or coverage lapses who cannot obtain standard market policies. Premiums are higher but acceptance standards are more flexible.