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

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

Minimum Coverage Requirements in Hawaii

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.

Liability Insurance

Hawaii's minimum liability limits of 20/40/10 are lower than most mainland states and may not cover medical bills or vehicle damage in a serious accident. High-risk drivers completing SR-22 requirements should consider 100/300/100 limits to protect assets and demonstrate financial responsibility to future insurers. Many standard carriers require higher-than-minimum liability before offering competitive post-SR22 rates.

SR-22 Insurance

SR-22 is not a separate insurance policy but a certificate your insurer files with Hawaii's state licensing authority proving continuous coverage. Missing a single payment during the 3-year requirement period triggers an automatic notification to the state and typically results in immediate license suspension.

Uninsured Motorist Coverage

This coverage becomes especially important on islands with limited public transit where driving is essential.

Comprehensive Coverage

Comprehensive coverage protects against non-collision damage including theft, vandalism, flooding, and volcanic activity—a real consideration in Hawaii. High-risk drivers who financed a vehicle during their SR-22 period typically must maintain comprehensive until the loan is paid.

Full Coverage

Maintaining continuous full coverage throughout and after the SR-22 period signals stability to underwriters and accelerates rate recovery.

What Drivers Pay in Hawaii

$217–$383/mo

Typical monthly rate in Hawaii, high-risk drivers after a DUI

Rate data: ValuePenguin and Insurify, 2026

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Your SR-22 Is Over. Your Rate Should Drop Too

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If 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

Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. Hawaii's 20/40/10 minimums are the legal floor but often inadequate for serious accidents involving medical bills or totaled vehicles.

SR-22 Filing

Certificate proving continuous coverage filed by your insurer with the state. Required for DUI, suspension, or uninsured accidents—typically for 3 years.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage. Not required in Hawaii but covers medical bills and vehicle damage the at-fault party cannot pay.

Comprehensive Coverage

Covers non-collision damage: theft, vandalism, weather, fire, and natural disasters. Required by lenders if you finance your vehicle.

Collision Coverage

Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused the crash. Subject to your chosen deductible, typically $500–$1,000.

Full Coverage

Combines liability, comprehensive, and collision. Provides maximum protection but costs significantly more during the SR-22 period.

Find Your City in Hawaii

Honolulu

urban

Pearl City

suburban

Hilo

urban

Kailua

suburban

Waipahu

suburban