Traffic Violation Insurance
Get a Quote

Hawaii SR-22 & High-Risk Auto Insurance

Hawaii requires SR-22 filing for DUI convictions, license suspensions, and driving without insurance. The filing requirement typically lasts 3 years and costs $15–$35 to file, but high-risk premiums range from $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 per person for bodily injury, $40,000 per accident for bodily injury, and $10,000 for property damage. Drivers with DUI convictions, license suspensions for at-fault accidents, or citations for driving uninsured typically must file SR-22 proof of insurance with the state for three years. Personal injury protection (PIP) is also mandatory in Hawaii, with a minimum of $10,000 coverage per person. High-risk drivers often need coverage above state minimums to meet SR-22 carrier underwriting requirements and avoid out-of-pocket exposure.

How Much Does Car Insurance Cost in Hawaii?

High-risk auto insurance in Hawaii costs significantly more than standard coverage due to violation surcharges, limited carrier competition, and the state's high baseline rates driven by no-fault PIP requirements and geographic isolation. A DUI can increase premiums by 80–150%, while at-fault accidents or license suspensions typically add 40–90% to your rate. Rates vary widely based on violation type, age, vehicle, and whether you can access standard versus non-standard carriers.

Minimum Coverage (Liability + PIP)
State-required minimums for high-risk drivers, typically through non-standard carriers. Offers legal compliance for SR-22 filing but minimal financial protection.
Standard High-Risk (Higher Limits)
Liability limits of 50/100/50 or higher, plus $10,000–$25,000 PIP. Better protection and often required by SR-22 carriers for approval.
Full Coverage (Comp + Collision)
Comprehensive and collision added to higher liability limits. Necessary for financed vehicles and provides maximum protection in a high-cost repair market.

What Affects Your Rate

  • Type of violation: DUI convictions carry the highest surcharges, often 80–150% above standard rates
  • Time since violation: Rates begin to decrease after 3 years, with most surcharges dropping significantly after 5 years
  • SR-22 filing requirement: Limits you to non-standard carriers with higher base rates and less competitive pricing
  • Island of residence: Oahu drivers typically pay less than those on neighbor islands due to more carrier options and competition
  • No-fault PIP requirement: Hawaii's mandatory PIP adds $30–$80/mo to all policies, compounding the cost of high-risk premiums
  • Vehicle replacement costs: High shipping fees and limited inventory inflate comprehensive and collision premiums for island drivers

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 Revised Statutes § 431:10C-104 - Motor Vehicle Insurance Law
  • Hawaii Department of Transportation - Financial Responsibility Requirements
  • Hawaii Insurance Division - Consumer Resources

Get Your Free Quote in Hawaii