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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–$35 to file, but high-risk premiums average $200–$400/mo depending on violation type and driving history.

Hawaii cityscape and street view

Updated April 2026

Minimum Coverage Requirements in Hawaii

Hawaii 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 DUI convictions, multiple violations, uninsured accidents, or license suspensions typically must file SR-22 proof of insurance for 3 years. Hawaii operates on a point system where accumulating 12 points in 12 months triggers license suspension, requiring SR-22 filing to reinstate driving privileges.

How Much Does Car Insurance Cost in Hawaii?

High-risk auto insurance in Hawaii costs significantly more than standard policies due to limited carrier availability and the island insurance market. Drivers with DUI convictions typically pay $250–$400/mo, while those with points from moving violations or at-fault accidents pay $180–$300/mo. Rates vary based on violation severity, time since incident, age, vehicle type, and whether SR-22 filing is required.

Minimum Coverage (20/40/10 + UM)
State-minimum liability and uninsured motorist coverage for high-risk drivers with single violations or minor point accumulation. This tier leaves you personally liable for damage exceeding policy limits.
Standard High-Risk (50/100/50)
Higher liability limits providing better financial protection for drivers with DUI, multiple violations, or SR-22 requirements. Recommended for drivers with assets to protect or financed vehicles.
Full Coverage + SR-22
Comprehensive and collision coverage added to liability for high-risk drivers financing vehicles or seeking maximum protection. Required by lenders and recommended for newer vehicles worth more than $5,000.

What Affects Your Rate

  • DUI convictions increase rates 80–200% for 5–10 years in Hawaii
  • SR-22 filing requirement adds $15–$35 filing fee plus 50–150% premium increase
  • Point accumulation: each point typically adds 10–25% to base premium
  • At-fault accidents without injuries increase rates 40–80% for 3–5 years
  • Limited non-standard carrier availability in Hawaii reduces competition and increases rates compared to mainland markets
  • Island location and higher cost of living in Hawaii drive base insurance costs 20–40% above national averages

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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 Transportation
  • Hawaii Insurance Division
  • Hawaii Revised Statutes § 287

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