Hawaii SR-22 & High-Risk Auto Insurance
Hawaii requires 40/80/20 liability coverage and is a no-fault state.
Get SR-22 Quotes 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
Drivers with DUI convictions, multiple moving violations, uninsured driving incidents, or license suspensions must file SR-22 proof of financial responsibility with the Hawaii Department of Transportation. These minimums often fall short for high-risk drivers, who face higher scrutiny from carriers and may need higher limits to qualify with non-standard insurers. Hawaii also enforces strict penalties for lapses during the SR-22 period, including immediate license suspension.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Uninsured/Underinsured Motorist Coverage
Personal Injury Protection (PIP)
Cost Overview
$32/mo
Typical monthly rate in Hawaii, non-owner policies
Rate data: Insure.com, 2026
What Affects Your Rate
- SR-22 duration and lapse history: Drivers who let coverage lapse face restarted SR-22 clocks and higher rates at renewal
- Island location: Oahu has more carrier competition and slightly lower rates than Maui, Kauai, or Hawaii Island, where non-standard insurers are scarce
- Vehicle type: Older sedans common on the islands cost less to insure than trucks or financed SUVs, even with a high-risk profile
- Credit and payment history: Hawaii allows credit-based insurance scoring, so poor credit combined with a DUI can double premiums compared to good credit with the same violation
Get Your SR-22 Even Without a Car
Get SR-22 Quotes 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 in Hawaii after a DUI?
Hawaii requires SR-22 filing for 3 years from the date your insurer files the certificate with the Department of Transportation following a DUI conviction. Any lapse in coverage during this period resets the 3-year clock and suspends your license immediately. Maintaining continuous coverage with an SR-22-approved carrier is the only way to complete the requirement without extensions.
Which insurance companies offer SR-22 in Hawaii?
Most major carriers do not actively market SR-22 coverage in Hawaii, but non-standard insurers and specialty high-risk carriers will file SR-22 certificates for drivers with DUI or suspensions. Availability is more limited on neighbor islands than Oahu, so comparing multiple non-standard insurers and working with a broker who specializes in high-risk coverage improves your odds of finding affordable options.
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 insurance policy while your license is suspended to meet reinstatement requirements. Once you file SR-22, pay reinstatement fees, and complete any required DUI programs, Hawaii's Department of Transportation will restore your driving privileges. The SR-22 requirement then continues for the full 3-year period.
Is Hawaii a no-fault state for high-risk drivers?
Yes, Hawaii requires Personal Injury Protection (PIP) coverage that pays your medical expenses regardless of fault, which benefits high-risk drivers by covering injury costs without filing a liability claim against the at-fault party. However, PIP doesn't eliminate liability exposure—if you cause a serious accident, the other driver can still sue you for damages exceeding their PIP limits, making higher liability coverage critical for high-risk profiles.
Coverage Types
SR-22 Insurance
Proof-of-insurance filing required by Hawaii for DUI, suspended licenses, or uninsured violations. Your insurer files electronically and notifies the state if coverage lapses, triggering immediate suspension.
Liability Insurance
Covers bodily injury and property damage you cause to others. Hawaii requires 20/40/10, but high-risk drivers should consider 50/100/25 or higher to reduce personal exposure and meet non-standard carrier underwriting standards.
Uninsured Motorist Coverage
Pays for your injuries and damages if you're hit by a driver with no insurance or limits too low to cover the full loss. Covers you and your passengers regardless of fault.
Personal Injury Protection (PIP)
Required in Hawaii as a no-fault state. PIP covers your medical expenses, lost wages, and funeral costs up to policy limits regardless of who caused the accident.
Non-Standard Auto Insurance
Specialized coverage for drivers standard carriers won't insure due to DUI, suspensions, lapses, or multiple violations. Non-standard insurers accept higher-risk profiles but charge elevated premiums and may require higher down payments.
Collision and Comprehensive Coverage
Collision covers your vehicle repairs after an at-fault accident; comprehensive covers theft, vandalism, weather, and animal strikes. Both are optional unless required by a lender.