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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, but high-risk premiums average $2,400–$4,800 annually depending on violation type and carrier.

Hawaii cityscape and street view

Updated April 2026

Minimum Coverage Requirements in Hawaii

Hawaii typically requires minimum liability coverage of 20/40/10: $20,000 bodily injury per person, $40,000 per accident, and $10,000 property damage. Drivers with DUIs, at-fault accidents while uninsured, repeat violations, or license suspensions generally must file SR-22 proof of financial responsibility with the state for a specified period. Personal Injury Protection (PIP) coverage is mandatory in Hawaii at $10,000 minimum, making it a no-fault state where your insurer pays your medical bills regardless of fault.

How Much Does Car Insurance Cost in Hawaii?

High-risk auto insurance in Hawaii costs significantly more than standard coverage due to limited carrier competition, mandatory PIP requirements, and the state's no-fault system. DUI offenders typically pay $2,400–$4,800 annually ($200–$400/mo) for SR-22 liability coverage, while drivers with suspensions or multiple violations pay $1,800–$3,600/year. Rates vary widely by island, zip code, violation type, and whether you need full coverage for a financed vehicle.

Minimum Compliance
State-minimum liability (20/40/10) plus mandatory $10,000 PIP and SR-22 filing for drivers with a single violation or suspension. This tier covers legal requirements but offers no collision or comprehensive protection.
Standard High-Risk
Increased liability limits (25/50/25 or 50/100/50), higher PIP, uninsured motorist coverage, and SR-22 filing. Common for DUI offenders or drivers with two violations in three years.
Full Coverage High-Risk
Comprehensive and collision coverage added for financed or leased vehicles, with SR-22 filing and elevated liability limits. Required by lenders and significantly more expensive after a DUI or major at-fault accident.

What Affects Your Rate

  • Violation type: DUI convictions increase premiums 200–300%, while license suspensions or minor violations increase rates 40–100%
  • Island and zip code: Honolulu and urban Oahu areas typically cost 15–25% more than rural Maui, Kauai, or Big Island locations due to higher accident and theft rates
  • SR-22 filing duration: Drivers early in their 3-year SR-22 period pay peak rates; expect 10–20% annual decreases if you maintain continuous coverage without new violations
  • Down payment requirements: Non-standard carriers in Hawaii often require 25–50% down on six-month policies for SR-22 filers, impacting upfront cost
  • Vehicle type and age: Older vehicles (10+ years) with liability-only coverage reduce premiums, while newer financed vehicles requiring full coverage double or triple costs after a violation
  • Prior insurance lapse: A coverage gap before or after your violation adds 20–40% to high-risk premiums, as Hawaii insurers treat lapses as compounding risk factors

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 Commerce and Consumer Affairs, Insurance Division
  • Hawaii Revised Statutes, Motor Vehicle Insurance Requirements
  • National Association of Insurance Commissioners (NAIC) High-Risk Auto Insurance Data

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