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Hawaii SR-22 Insurance & High-Risk Auto Coverage

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

SR-22 filing is typically required following DUI convictions, major license suspensions, repeat traffic violations, or driving uninsured after an at-fault accident. The filing requirement generally lasts 3 years from the date of reinstatement, not from the violation date. For high-risk drivers, state minimums often fall short of actual liability exposure after a serious violation.

Liability Insurance

Hawaii's 20/40/10 minimums are among the lowest in the nation and may not adequately protect drivers with prior violations from lawsuit exposure. High-risk drivers facing elevated premiums should still consider 100/300/100 limits to avoid personal asset exposure if involved in another accident during the SR-22 period.

SR-22 Certificate of Financial Responsibility

SR-22 is not a separate insurance policy but a certificate your carrier files with the state proving you maintain continuous coverage. Not all carriers offer SR-22 filing—non-standard insurers are often the only option for drivers with DUI or multiple violations.

Full Coverage (Comprehensive + Collision)

Full coverage is only mandated if you lease or finance your vehicle, but it becomes more valuable for high-risk drivers who cannot afford to replace a totaled car out-of-pocket while maintaining SR-22. Hawaii's theft rates in urban areas like Honolulu and flood risk in coastal zones make comprehensive coverage particularly relevant.

Uninsured Motorist Coverage

Hawaii law requires insurers to offer uninsured motorist coverage matching your liability limits unless you decline in writing. For high-risk drivers already paying elevated premiums, uninsured motorist coverage protects you from paying twice if hit by an uninsured driver while fulfilling your SR-22 requirement.

Non-Standard Auto Insurance

Non-standard carriers specialize in insuring drivers with DUI convictions, suspensions, or multiple violations who cannot get coverage from traditional insurers. Rates typically decrease after 3–5 years of violation-free driving.

What Drivers Pay in Hawaii

$180–$289/mo

Typical monthly rate in Hawaii, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Vehicle type: Older vehicles with liability-only coverage cost less to insure than newer financed vehicles requiring full coverage during the SR-22 period
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Coverage Types

Liability Insurance

Covers injury and property damage you cause to others in an accident. Required by law and the foundation of any SR-22 filing in Hawaii.

SR-22 Certificate Filing

Proof of continuous insurance filed by your carrier with the state. Required for DUI, suspensions, and serious violations in Hawaii.

Full Coverage

Combines comprehensive and collision to cover damage to your own vehicle from accidents, theft, weather, and vandalism.

Uninsured Motorist Coverage

Protects you if hit by a driver with no insurance or insufficient coverage to pay for your injuries and damages.

Non-Standard Auto Insurance

Specialized coverage for drivers with DUI, suspensions, or violations who cannot qualify for standard insurance. Includes SR-22 filing.

Collision Coverage

Pays to repair or replace your vehicle after an accident, regardless of fault. Required by lenders if you finance or lease.

Find Your City in Hawaii

Honolulu

urban

Pearl City

suburban

Hilo

urban

Kailua

suburban

Waipahu

suburban