SR-22 insurance in Hawaii

Understanding SR-22 insurance in Hawaii

SR-22 insurance isn't a specific type of insurance. Instead, an SR-22 is a form your insurance company files with the state showing you have at least the minimum required car insurance to be on the road in Hawaii. SR-22 insurance refers to auto insurance coverage where an SR-22 has been filed by the company on your behalf.

Most Hawaii drivers don't need SR-22 insurance. Drivers who need an SR-22 form have been convicted of significant violations, such as reckless driving, DUIs and multiple infractions in a short amount of time. You will be informed if you are required to file an SR-22 and for how long.

"Certain things trigger the requirement for an SR-22 filing, such as a DUI, having a lot of points on your license, getting into an accident without insurance, or having your license suspended or revoked. But in every case, the driver is notified by the DMV that they are required to have this form. You would have to check the box that you are required to have an SR 22 filing. The insurance company typically charges a fee to file or maintain that filing, which varies by insurance company," says Dorothy Cato with Skyway Insurance Services LLC in Monroe, North Carolina.

How much does SR-22 insurance cost in Hawaii?

Filing an SR-22 form is inexpensive, but the fines and higher insurance rates will be pricey. On average, SR-22 insurance in Hawaii costs $1,759, but rates depend on the driver and the violation.

Insurance rates vary from company to company, so it's best to shop around to find the cheapest SR-22 insurance available.

Average SR-22 insurance cost in Hawaii by violation

Your insurance rates don't increase because of the SR-22. The SR-22 is required because of a violation, and it's the violation that increases your rates.

For instance, you may require an SR-22 for a DUI or driving without insurance. The car insurance rate increase will be based on the infraction, not the SR-22.

This table shows the average costs for violations requiring an SR-22. The rates vary depending on the violation.

Violation	Average annual premium
Driving without insurance	$1,886
DUI/DWI first offense	$5,273
DUI/DWI second offense	$8,557
Reckless driving	$4,912
SR22 Filing Only	$1,759
SR22 with 1 DUI	$6,158

Read our methodology

SR-22 insurance cost by company for a first DUI

After a single DUI, the cheapest company on average is Progressive with average rates of $2,050. Affordable SR-22 coverage with a DUI is a little harder to find, but shopping around can help. Some insurance companies are willing to view the first DUI as a one-time mistake, offering more affordable rates than others.

Take a look at the table below to see how average insurance rates after one DUI vary by company. While insurance rates increase after a DUI, the increase isn't as severe as with multiple infractions.

Company	Average annual premium	Average monthly premium
Progressive	$2,050	$171
State Farm	$2,123	$177
Farmers	$2,586	$216
Allstate	$4,769	$397
GEICO	$8,260	$688
Island Insurance	$15,066	$1,256
USAA	$2,146	$179

Read our methodology

SR-22 insurance cost by company for reckless driving

The cheapest company for SR-22 insurance after a reckless driving conviction is State Farm, with an average rate of $2,123 per year. Reckless driving tickets can be given for different reasons, like speeding, running red lights, texting while driving or tailgating. No matter the cause, reckless driving in Hawaii leads to fines, an SR-22 requirement and higher car insurance rates.

Check the table below to compare average insurance rates for reckless driving from different companies.

Company	Average annual premium	Average monthly premium
State Farm	$2,123	$177
Progressive	$2,219	$185
Farmers	$2,586	$216
Allstate	$4,769	$397
GEICO	$8,260	$688
Island Insurance	$12,998	$1,083
USAA	$1,590	$133

Read our methodology

SR-22 insurance cost by company for driving without insurance

The cheapest company for car insurance after being ticketed for driving without insurance is Progressive at an average yearly rate of $1,685.

In Hawaii, drivers must have at least the minimum required auto insurance. If you don't, you can face fines, higher insurance rates and an SR-22.

Below are the car insurance rates by company for drivers with a lapse in coverage.

Company	Average annual premium	Average monthly premium
Progressive	$1,685	$140
Island Insurance	$1,919	$160
State Farm	$2,123	$177
Allstate	$2,625	$219
USAA	$1,117	$93

Read our methodology

Non-owners SR-22 insurance in Hawaii

Hawaii might require you to file an SR-22 form even if you don't own a car as a prerequisite to get your license back. If you borrow or rent a car occasionally, you can get non-owner SR-22 insurance, which meets legal requirements, and the SR-22 can be filed with that policy.

It is important to note that non-owner car insurance only provides extra liability coverage when you drive someone else's car. If you buy a car, you will require the right insurance to legally drive it in Hawaii.

How long do you need an SR-22 in Hawaii?

Typically, Hawaii drivers must maintain an SR-22 for three years. However, if you fail to maintain insurance during this time, the consequences can be severe. Not only will you be in violation of the law, but you may also face additional fines and penalties.

Reasons for requiring SR-22 insurance in Hawaii

Most Hawaii drivers don't need to file an SR-22. However, drivers who exhibit careless behaviors may be required to file an SR-22, which is typically required when the driver has to prove that they have the minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. required by the state," says Cato.

You may need an SR-22 in Hawaii for reasons like:

DUI
Reckless driving
Several traffic violations in a short time
Not maintaining auto insurance
Refusing a breathalyzer test
At-fault accidents involving severe injuries or death

Tips to lower SR-22 insurance costs in Hawaii

Although your insurance will increase if you need an SR-22, there are still ways to find affordable coverage.

Ways to lower auto insurance costs with an SR-22 include:

Take advantage of all available discounts. Most insurers allow you to bundle discounts to maximize savings.
Raise your deductible. Increase the amount you pay before insurance kicks in to lower rates.
Take a defensive driving course. Some insurers offer a discount for taking a course, and some states remove points from your license, which can lower your insurance rates.
Sign up for a usage-based program. If you can demonstrate good driving habits while they are being tracked, you could earn a discount.
Shop around for SR-22 insurance. Compare rates from multiple companies to find the cheapest SR-22 insurance in Hawaii.

Methodology

Insurance.com commissioned car insurance rates from Quadrant Information Services in late 2023 for a full coverage car insurance policy with coverage of 100/300/100 in liability and $500 deductibles. Rates are based on a 40-year-old driver with good credit driving a 2023 Honda Accord LX, with violations requiring an SR-22: One DUI, two DUIs, reckless driving and driving without insurance.

SR-22 insurance in Hawaii: FAQ

What happens if I fail to maintain SR-22 insurance in Hawaii?

If you don't keep your insurance and maintain your SR-22 filing, the consequences can be serious. You might face:

Losing your driver's license
Paying fines
Higher car insurance costs
Restarting your SR-22 time period
Getting your car taken away
Jail time

Can I switch insurance providers while I have an SR-22 filing?

Yes, you can switch auto insurance companies if you have an SR-22. Yours new insurer must refile the SR-22 for you. Also, make sure your new policy is active with the SR-22 before canceling your old one.