After SR-22 Insurance
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Hawaii SR-22 Insurance After DUI or Suspension

Hawaii requires SR-22 filing for DUI convictions, license suspensions, and uninsured accidents. The filing requirement typically lasts 3 years and costs $15–$35 to file, though high-risk premiums average $200–$400/mo depending on your violation.

Hawaii cityscape and street view

Updated April 2026

Minimum Coverage Requirements in Hawaii

Hawaii requires minimum liability coverage of 20/40/10: $20,000 per person for bodily injury, $40,000 per accident, and $10,000 for property damage. Drivers with DUI convictions, multiple violations, at-fault accidents without insurance, or license suspensions typically must file SR-22 proof of financial responsibility with the state. The SR-22 requirement usually lasts 3 years from the date of reinstatement, and any lapse in coverage during this period restarts the clock. These minimums are often insufficient for high-risk drivers facing civil liability after an at-fault accident.

How Much Does Car Insurance Cost in Hawaii?

High-risk insurance premiums in Hawaii typically run 150–300% higher than clean-record rates due to limited carrier competition and elevated claims costs on the islands. Drivers completing SR-22 requirements pay an average of $200–$400/mo during the filing period, but rates begin dropping 20–40% within 6–12 months after the requirement ends if no new violations occur. Island location, vehicle type, and whether you bundle with homeowners or renters insurance significantly impact your rate recovery timeline.

Minimum Liability
State minimum 20/40/10 liability through a non-standard carrier during active SR-22 period. This is the legal floor but offers minimal asset protection.
Standard Liability
Increased liability limits of 50/100/50 or 100/300/100 with uninsured motorist coverage. Recommended for drivers with assets to protect or transitioning back to standard carriers.
Full Coverage
Liability, comprehensive, collision, and UM/UIM for financed vehicles or drivers seeking maximum protection. Rates drop significantly 12–18 months post-SR22 with clean driving.

What Affects Your Rate

  • Type of violation: DUI convictions carry 200–250% surcharges while at-fault accidents add 80–150% to base rates
  • Time since violation: Rates decrease 15–25% annually after SR-22 ends if driving record remains clean
  • Island location: Oahu drivers pay 10–20% less than neighbor island residents due to greater carrier competition
  • Coverage continuity: Maintaining uninterrupted coverage for 36+ months reduces post-SR22 rates by 20–30%
  • Vehicle value: Full coverage on vehicles worth over $25,000 adds $80–$150/mo for high-risk drivers
  • Bundling discounts: Combining auto with renters or homeowners insurance saves 10–25% once eligible for standard carriers

Compare Auto Insurance Rates in Hawaii

Find Your City in Hawaii

Honolulu, Hawaii cityscape and street view

Honolulu

urban
City skyline reflected in water at sunset with golden light and purple-orange sky

Pearl City

suburban
Sunset on tropical beach with pebbles, tree silhouette, and golden light reflecting on wet sand

Hilo

urban
Aerial view of tropical coastal town with bay, green hills, and blue ocean under cloudy sky

Kailua

suburban
Aerial view of lush green coastal cliffs and volcanic ridges meeting the ocean under blue sky

Waipahu

suburban

Sources

  • Hawaii Department of Transportation - Driver Licensing Division
  • Hawaii Revised Statutes Chapter 287 - Motor Vehicle Safety Responsibility
  • National Association of Insurance Commissioners (NAIC) - State Insurance Requirements

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