Drivers with Points Insurance
Get a Quote

Hawaii SR-22 & High-Risk Auto Insurance Guide

Hawaii requires SR-22 filing for DUI convictions, license suspensions, and driving without insurance. The requirement typically lasts 3 years and costs $15–$35 to file, but high-risk premiums average $2,400–$4,800 annually depending on violation type. Most point violations from speeding or at-fault accidents do not trigger SR-22 requirements.

White car with severe front-end collision damage showing crumpled hood and broken headlight after accident

Updated March 2026

State Requirements

Hawaii requires minimum liability coverage of 20/40/10: $20,000 bodily injury per person, $40,000 per accident, and $10,000 property damage. The state mandates personal injury protection (PIP) coverage of at least $10,000 for medical expenses regardless of fault. SR-22 filing is required following DUI convictions, license suspensions for excessive points, driving without insurance, and certain traffic offenses. Drivers with violations but no SR-22 requirement still face elevated premiums and may need non-standard carriers.

Cost Overview

High-risk auto insurance in Hawaii costs 80–200% more than standard rates depending on violation type, driving history, and location. DUI convictions generate the highest rate increases (150–200%), followed by at-fault accidents (40–80%) and speeding violations over 20 mph (25–50%). Hawaii's island geography limits carrier competition and creates higher baseline rates than many mainland states, making comparison shopping essential for high-risk drivers.

Minimum Liability + PIP
State-required 20/40/10 liability plus $10,000 PIP for high-risk drivers with DUI, suspension, or SR-22 requirement. Provides legal compliance but minimal financial protection.
Standard Liability
Enhanced liability limits (100/300/100) plus $25,000 PIP and uninsured motorist coverage for high-risk profiles. Recommended for drivers with assets to protect or loan requirements.
Full Coverage
Comprehensive and collision coverage added to liability package for financed vehicles or drivers wanting vehicle protection. Collision deductibles of $1,000+ help control premiums for high-risk drivers.

What Affects Your Rate

  • Violation type and recency: DUI convictions increase rates 150–200%, while single speeding tickets add 25–50%
  • SR-22 filing requirement: adds $15–$35 filing cost plus restricted carrier options that charge higher premiums
  • Island location: Oahu drivers pay 15–30% more than Big Island or Maui residents due to traffic density and accident frequency
  • Time since violation: rates decrease 10–20% per year with clean driving, returning to standard rates after 3–5 years
  • Points accumulation: Hawaii's 12-point suspension threshold means multiple violations compound rate increases faster than single incidents
  • Vehicle type: high-performance or expensive vehicles increase collision premiums by 40–100% for high-risk drivers

Compare Auto Insurance Rates in Hawaii

Coverage Options

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

Frequently Asked Questions

Sources

  • Hawaii Department of Motor Vehicles - Financial Responsibility and SR-22 Requirements
  • Hawaii Revised Statutes Chapter 431:10C - Motor Vehicle Insurance Law
  • Hawaii Administrative Rules Title 19 - Insurance Division Regulations

Get Your Free Quote in Hawaii