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Hawaii SR-22 & High-Risk Auto Insurance

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

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. High-risk drivers often need coverage above state minimums to meet SR-22 carrier underwriting requirements and avoid out-of-pocket exposure.

Liability Insurance

Hawaii's 20/40/10 minimum is among the lowest in the nation and can leave high-risk drivers financially exposed in serious accidents. Many SR-22 carriers in Hawaii require higher limits—such as 50/100/50—as a condition of writing high-risk policies, which also provides better protection in a state with high medical costs.

Personal Injury Protection (PIP)

Hawaii is a no-fault state, requiring PIP coverage to pay for your medical expenses and lost wages regardless of who caused the accident. High-risk drivers should consider higher PIP limits to avoid gaps in coverage after a violation, as medical bills can compound financial strain from elevated premiums.

SR-22 Insurance

SR-22 is not a separate insurance policy but a certificate filed by your insurer with the state proving you carry at least Hawaii's minimum coverage. Not all carriers offer SR-22 filing in Hawaii—non-standard and high-risk insurers are typically the primary options. If your policy lapses or cancels during the SR-22 period, your insurer notifies the state immediately, triggering license suspension and restarting the three-year filing clock from zero.

Uninsured/Underinsured Motorist Coverage

Hawaii does not mandate uninsured/underinsured motorist (UM/UIM) coverage, but it's critical for high-risk drivers who already face elevated premiums and may not have savings to cover accident costs. UM/UIM coverage fills the gap if you're hit by a driver with no insurance or insufficient limits, protecting you from paying out-of-pocket for injuries or vehicle damage.

Full Coverage

Full coverage combines liability, comprehensive, and collision insurance, protecting both other drivers and your own vehicle. While not legally required unless you have a loan or lease, full coverage is often the only way to protect a vehicle in a state where replacement costs are high due to shipping and limited inventory, especially after a violation has already strained your finances.

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

  • 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
  • Vehicle replacement costs: High shipping fees and limited inventory inflate comprehensive and collision premiums for island drivers
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Coverage Types

SR-22 Insurance

A state-mandated filing proving you carry continuous coverage, required after DUI, suspension, or uninsured accident. The filing itself costs $15–$35, but premiums increase significantly because only non-standard carriers offer SR-22 in Hawaii.

Non-Standard Auto Insurance

Coverage for drivers who cannot qualify for standard policies due to violations, suspensions, or SR-22 requirements. Non-standard carriers specialize in high-risk profiles and charge higher premiums to offset increased claim risk.

Full Coverage

Liability, comprehensive, and collision combined to protect both your liability and vehicle damage. Required by lenders and recommended in Hawaii due to high vehicle replacement and repair costs from limited inventory and shipping fees.

Personal Injury Protection (PIP)

Mandatory no-fault coverage in Hawaii that pays your medical bills and lost wages regardless of who caused the accident. Minimum is $10,000 per person, but higher limits are recommended given the state's elevated healthcare costs.

Uninsured Motorist Coverage

Protects you if you're hit by a driver with no insurance or insufficient coverage to pay for your injuries and vehicle damage. Optional in Hawaii but critical given the state's uninsured driver rate and high out-of-pocket costs.

Liability Insurance

Covers bodily injury and property damage you cause to others in an at-fault accident. Hawaii's 20/40/10 minimum is low, and high-risk drivers should carry higher limits to protect assets and meet SR-22 carrier underwriting standards.

Find Your City in Hawaii

Honolulu

urban

Pearl City

suburban

Hilo

urban

Kailua

suburban

Waipahu

suburban