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Hawaii SR-22 & High-Risk Auto Insurance

Hawaii requires SR-22 filing for DUI convictions, license suspensions, and uninsured accidents. The filing requirement typically lasts 3 years and costs $15–$25 to file, but high-risk premiums average $2,200–$4,500 annually depending on violation type and driving history.

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Updated March 2026

State Requirements

Hawaii requires minimum liability coverage of $20,000 per person for bodily injury, $40,000 per accident for bodily injury, and $10,000 for property damage (20/40/10). The state also mandates $10,000 in personal injury protection (PIP) for medical expenses regardless of fault. 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.

Cost Overview

High-risk auto insurance in Hawaii costs significantly more than standard rates due to the state's island geography, high vehicle repair costs, and limited carrier competition. Drivers with DUIs, at-fault accidents, or SR-22 requirements typically pay $2,200–$4,500 annually, compared to $1,200–$1,800 for clean-record drivers. Rates vary widely based on violation type, time since incident, and whether you're insured through a standard or non-standard carrier.

State Minimum (High-Risk Profile)
Covers Hawaii's 20/40/10 liability minimums plus required $10,000 PIP and SR-22 filing. This tier meets legal requirements but leaves you exposed to lawsuits exceeding policy limits, a significant risk if you've already had one major violation.
Standard Coverage (High-Risk Profile)
Raises liability to 50/100/25 or 100/300/50, adds higher PIP limits, and includes uninsured motorist coverage. Courts often require these limits as a condition of license reinstatement following DUI or reckless driving convictions.
Full Coverage (High-Risk Profile)
Includes comprehensive and collision coverage for your vehicle, protecting against theft, vandalism, and accident damage. High-risk drivers pay elevated deductibles and premiums, but full coverage is often required if you finance or lease a vehicle during an SR-22 period.

What Affects Your Rate

  • Violation type: DUIs and reckless driving increase premiums 150–220%, while at-fault accidents raise rates 40–80%
  • 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
  • SR-22 filing requirement: adds $15–$25 to file, but high-risk classification doubles or triples base premiums
  • 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

Compare Auto Insurance Rates in Hawaii

Coverage Options

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
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Kailua

suburban
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Waipahu

suburban

Frequently Asked Questions

Sources

  • Hawaii Department of Motor Vehicles – Financial Responsibility and SR-22 Requirements
  • Hawaii Revised Statutes Chapter 431:10C – Motor Vehicle Insurance Law
  • Hawaii Department of Commerce and Consumer Affairs Insurance Division – Required Coverage

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