SR-22 insurance in Hawaii isn’t a type of insurance but rather a certificate of financial responsibility that some drivers must file. It’s often required for individuals who have been convicted of certain driving-related offenses, such as DUI, driving without insurance, reckless driving or multiple traffic offenses.
The SR-22 form is filed by your insurance company with the Hawaii Department of Motor Vehicles (DMV) to prove that you have the state-required minimum liability coverage. This form verifies that you have the necessary insurance coverage in place. If your driving privileges were suspended or revoked and you must carry an SR-22, you must maintain continuous coverage for the period specified by the court or DMV.
This guide provides an overview of what SR-22 insurance covers in Hawaii and how it can influence your annual premiums.
Who needs an SR-22 in Hawaii?
In Hawaii, if your driver’s license gets suspended or revoked because of certain violations, you might need SR-22. It is a form that proves you have car insurance.
Here are some reasons why a driver might need an SR-22:
- DUI or DWI (driving under the influence or driving while intoxicated) conviction
- Reckless driving
- Driving without insurance
- Multiple traffic offenses within a short period
- If you’re involved in an accident and don’t have car insurance, the DMV may suspend your license and require you to file an SR-22
- Nonpayment of fines or penalties if you’re sued after an accident
In Hawaii, an SR-22 is generally needed for 3 years, but this duration can differ based on the specific violation. Throughout this period, it’s crucial to maintain at least the minimum car insurance required by Hawaii law.
Learn more about how to find out if you still need an SR-22
How do I get an SR-22 in Hawaii?
To obtain SR-22 insurance in Hawaii, you must first get a car insurance policy. Then, the insurance company will submit an SR-22 form to the Department of Motor Vehicles (DMV) on your behalf.
Getting the right auto insurance:
- Contact your current insurance company: Many insurance companies file SR-22 forms, but keep in mind that your rates will go up.
- Comparison shopping: It’s a good idea to compare rates from other insurance companies. Tell them you need an SR-22 so they give you accurate quotes.
- Meet state minimum car insurance requirements: You’ll need to purchase minimum liability coverage with limits of 20/40/10.
Filing the SR-22:
- Notify your insurer about your need for an SR-22. They will manage the paperwork and submit the form to the DMV on your behalf.
- Pay the fees. Be prepared to pay a filing fee for the SR-22 and a higher premium.
- Keep your insurance active. It’s crucial to avoid gaps in coverage.
Remember, an SR-22 requirement could lead to higher premiums based on your driving history. It’s important to shop around for quotes and practice safe driving to help lower the elevated rates.
Discover your options for getting SR-22 insurance without a valid license
How much is SR-22 insurance in Hawaii?
The average cost of car insurance in Hawaii is $1,759 per year for full coverage with an SR-22, which is $334 lower than the national average of $2,093 a year. However, if you have a DUI on your record, the average annual premium in Hawaii jumps to $6,158 for full coverage.
Besides the higher premium, many insurance companies charge a small fee to submit the SR-22 form. If your license is suspended, your only option for getting it reinstated is to buy car insurance and file the SR-22 form.
How much is SR-22 insurance per month in Hawaii?
Drivers in Hawaii who have a DUI on their record can expect to pay $513 per month for a full coverage policy, which includes an SR-22.
Not all insurance companies provide car insurance for high-risk drivers, so you may need to look into various insurers to find the one that does. But be prepared to pay higher premium costs due to driving infractions on your record.
However, if you drive carefully and avoid speeding, DUIs and other violations, you can improve your driving record, which could lead to lower insurance premiums in the future.
Check out SR-22 insurance rates in nearby states
Cheapest SR-22 insurance companies in Hawaii
For drivers in Hawaii looking for cheap SR-22 insurance, Geico offers the lowest rates at $1,233 annually. While not the least expensive, Progressive and Farmers offer affordable rates in Hawaii, based on CarInsurance.com data.
After a DUI or other traffic violation in Hawaii, getting SR-22 insurance is a requirement. While the SR-22 form doesn’t impact insurance costs, the violations that necessitate it typically result in higher premiums. However, high-risk drivers can still find affordable auto insurance rates in Hawaii.
| Company | Full coverage rates without SR-22 | Full coverage rates after filling SR-22 |
|---|---|---|
| Allstate | $1,882 | $2,897 |
| Farmers | $1,495 | $1,559 |
| Geico | $1,184 | $1,233 |
| Island Insurance | $1,771 | $1,998 |
| Progressive | $1,279 | $1,396 |
| State Farm | $1,938 | $2,193 |
| USAA* | $1,067 | $1,088 |
Find out which providers offer the cheapest SR-22 car insurance
How long do I need SR-22 insurance in Hawaii?
You will need SR-22 in Hawaii for a duration of 3 years It assures the Hawaii DMV that you’re consistently maintaining at least the minimum required coverage levels mandated by the state.
SR-22 insurance varies by state and the reason you need it. Usually, it’s required for three years but in some cases, it might be longer. For example, if someone has repeat violations, the requirement could extend out to five years, says Dr. James Brau, Joel C. Peterson professor of finance at Brigham Young University.
How do I check my SR-22 status online in Hawaii?
You can easily check your SR22 status by visiting the official website of the Hawaii DMV and using their online services. Alternatively, you can contact the Hawaii DMV by phone to inquire about your SR-22 status, and they can provide you with the required information.
What happens if I cancel my car insurance?
If you cancel your car insurance in Hawaii before the required period mandated by the state, it can lead to serious consequences.
- Driver’s license suspension: Your Hawaii insurance provider is legally required to inform the state if your insurance is canceled. This likely triggers a driver’s license suspension, as you must still maintain SR-22 coverage for the mandated period.
- Fines and penalties: In addition to suspension, some states may impose additional fines or penalties for failing to comply with the SR-22 requirement.
- Extended probationary period: If your Hawaii SR-22 requirement was part of a probation period for a driving offense, cancellation might restart the clock.
- Increased insurance costs: Future attempts to purchase insurance might be costly due to the lapse in coverage and driving record violations.
It’s important to fulfill the SR-22 requirements for the specified duration without any lapses or cancellations to avoid legal repercussions and maintain driving privileges.
How to get an SR-22 removed in Hawaii
To get rid of your SR-22, you must wait until the required time period is up. In Hawaii, this period is typically 3 years from when you first filed the SR-22.
Brau explains that you should maintain continuous insurance coverage without any lapses. If you cancel your policy or let it expire, the SR-22 will no longer be valid. Wait out the required period. During this time, drive responsibly and maintain your insurance coverage.
“Check with your state’s DMV and confirm the exact duration and any additional requirements for removal. Some states may require you to submit a formal request or provide proof of good driving behavior,” he says.
“Once the required period has passed, ask your insurer to file an SR-26 form with the DMV. This form notifies them that you no longer need an SR-22. After your insurer submits the SR-26, check with the DMV to ensure the SR-22 is officially removed from your record.”
How does an SR-22 affect car insurance rates in Hawaii?
The requirement of an SR-22 certificate can increase your car insurance premiums significantly. Most insurance companies consider drivers with SR-22 high risk, resulting in premium hikes.
Your specific increase in rates will vary based on various factors, including your driving record and the reason for the SR-22.
Don’t settle for the first offer. Compare quotes from multiple insurers to get the best deal on car insurance with an SR-22. If you stay violation-free and comply with the SR-22 requirements, your rates could go down over time.
Select your age, gender and type of violation to see average annual SR-22 insurance rates by company.
Note: These rates are for a full coverage policy with limits of 100/300/100 with a $500 deductible.
Non-owner SR-22 insurance for Hawaii drivers
If you find yourself in a situation where you need an SR-22 in Hawaii but don’t own a car, there is a solution. Non-owner SR-22 insurance can help you reinstate your Hawaii driver’s license and meet the requirements.
Non-owner car insurance provides liability coverage when you don’t own a vehicle. This type of policy allows the insurance company to issue the SR-22 form to the DMV on your behalf. Not all insurance companies offer non-owner car insurance or file SR-22 forms, so shop around in Hawaii for a company that can provide the coverage you need.
Frequently asked questions: SR-22 insurance in Hawaii
Do I need an SR-1P or SR-22 in Hawaii?
Both the SR-22 and SR-1P are forms your insurance company submits to the Hawaii DMV, ensuring you meet the mandated liability coverage. For motorcycle riders, mopeds, and scooter users, the SR-1P is the relevant form. If you’ve been caught riding your two-wheeler without insurance or have had your license suspended, you’ll require an SR-1P.
What happens to your SR-22 insurance in Hawaii if you move?
An SR-22 requirement stays even when you move to a new state. Find a new insurance company licensed in your current state to file a new SR-22. They must submit the form with both the Hawaii DMV and your new state’s DMV to transfer the requirement. Maintain continuous coverage until the new SR-22 is in effect.
SR-22 requirements can vary from state to state, so it’s essential to consult with your new insurance company and the Department of Motor Vehicles (DMV) in your new state to determine the necessary steps.
Does Geico offer SR-22 in Hawaii?
Geico provides SR-22 in Hawaii, ensuring you meet the state’s insurance requirements and offer adequate coverage required by the state.
Resources & Methodology
Sources
SR-22 Adviser. “SR-22 Requirements by State.” Accessed March 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get SR-22 car insurance rates in Hawaii. The rates are based on the sample profile of a 40-year-old driver with a clean driving record and good insurance score. We have compared 50,73,544 from 138 national and regional car insurance companies across 548 cities and 1,468 ZIP codes to evaluate the premiums.
Note: USAA is only available to military community members and their families.
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