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Hawaii SR-22 Insurance & High-Risk Auto Coverage

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, at-fault uninsured accidents, repeat traffic violations, or license suspensions typically face SR-22 filing requirements. The state mandates continuous proof of insurance during the SR-22 period, and any lapse triggers a restart of the filing clock and additional license suspension.

Liability Insurance

Hawaii's 20/40/10 minimums are among the lowest in the nation and rarely cover the full cost of a serious accident. High-risk drivers often face lawsuits after at-fault accidents, and minimums leave personal assets exposed. Hawaii's no-fault Personal Injury Protection (PIP) system covers medical bills regardless of fault, but property damage and liability for serious injuries fall on the at-fault driver's policy—making higher liability limits critical after a violation.

SR-22 Insurance

SR-22 is not a separate insurance policy but a certificate filed by your insurer to prove continuous coverage. Hawaii requires SR-22 for DUI, suspended license reinstatement, and uninsured driving. The filing period typically lasts 3 years, and any gap in coverage during that time restarts the clock and triggers immediate license suspension—making continuous payment and policy maintenance non-negotiable for high-risk drivers.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles and offer SR-22 filing when standard insurers deny coverage. Hawaii's limited carrier market means drivers with DUI or suspension often face fewer options and higher premiums.

Uninsured Motorist Coverage

Hawaii does not mandate uninsured motorist (UM) coverage, but insurers must offer it. High-risk drivers are statistically more likely to be involved in accidents with other high-risk or uninsured drivers.

Full Coverage

Full coverage combines liability, collision, and comprehensive insurance. Lenders require it for financed or leased vehicles, and it's the only way to protect your own vehicle after an at-fault accident. High-risk drivers in Hawaii pay significantly more for collision and comprehensive due to elevated claim risk, but without it, a totaled vehicle becomes an out-of-pocket loss on top of existing violations and SR-22 requirements.

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

  • Island location: Honolulu drivers face higher premiums than rural Oahu, Big Island, or Maui due to traffic density and claim frequency
  • Age and experience: Drivers under 25 with violations pay significantly more than older high-risk drivers due to compounded risk factors
  • Number of violations: Multiple incidents within 3 years can push drivers into assigned risk pools or state-mandated coverage programs
  • Credit-based insurance score: Hawaii allows credit-based scoring, and violations often correlate with lower scores, compounding rate increases
  • Vehicle type: High-performance or expensive vehicles increase collision and comprehensive premiums for high-risk drivers already paying elevated liability rates
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Coverage Types

SR-22 Insurance

Proves continuous liability coverage to the state after DUI, suspension, or uninsured driving. The filing itself costs $15–$35, but high-risk premiums drive the real expense.

Non-Standard Auto Insurance

Specialized coverage for drivers denied by standard carriers due to DUI, suspension, or multiple violations. Costs more but provides the only path to reinstatement.

Liability Insurance

Covers bodily injury and property damage you cause to others. Hawaii's 20/40/10 minimums are low and leave assets exposed after serious accidents.

Full Coverage

Liability plus collision and comprehensive. Protects your vehicle and required by lenders for financed or leased cars.

Uninsured Motorist Coverage

Covers your medical bills and vehicle damage when hit by an uninsured or underinsured driver. Not required but must be offered by insurers.

Collision Coverage

Pays for damage to your vehicle after an at-fault accident, regardless of who caused it. Required by lenders and protects financed vehicles.

Find Your City in Hawaii

Honolulu

urban

Pearl City

suburban

Hilo

urban

Kailua

suburban

Waipahu

suburban