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.

Compare Hawaii Auto Insurance

Non-Standard Auto · SR-22 · Senior · Teen Drivers

White car with severe front-end collision damage showing crumpled hood and broken headlight after accident
Quotes from state-licensed insurance professionals
Licensed Agents Only
Free to request, no commitment required
No Obligation
No cost to you
Free to Use
Your contact information is protected
TCPA-Compliant
Updated May 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.

Hawaii cityscape and street view
20/40/10
Liability Insurance
Hawaii's 20/40/10 minimums are mandatory but insufficient for most high-risk drivers. A single serious accident can generate medical bills exceeding $20,000 per person, leaving you personally liable for the difference. High-risk drivers should consider 100/300/100 limits to protect assets and reduce financial exposure, especially since Hawaii has higher medical costs than many mainland states.
$10,000 minimum
Personal Injury Protection (PIP)
Hawaii is a no-fault state requiring PIP coverage of at least $10,000 to cover medical expenses, lost wages, and funeral costs regardless of who caused the accident. High-risk drivers often benefit from higher PIP limits ($25,000 or more) since accident frequency correlates with violation history. PIP claims do not raise rates the same way liability claims do, making this coverage particularly valuable for drivers working to recover their rates.
Must be offered; can reject in writing
Uninsured Motorist Coverage
Hawaii requires insurers to offer uninsured/underinsured motorist coverage matching your liability limits, though you can decline it in writing. Approximately 10% of Hawaii drivers are uninsured, and high-risk drivers are statistically more likely to be involved in accidents with uninsured motorists. Declining this coverage to save money often backfires if you're hit by an uninsured driver, leaving you with medical bills and vehicle damage despite carrying insurance yourself.
Must meet state minimums plus SR-22 filing
SR-22 Insurance
SR-22 is not a separate insurance policy but a certificate proving you carry at least Hawaii's minimum liability and PIP coverage. Carriers file this form electronically with the Hawaii Department of Motor Vehicles on your behalf. Any lapse in coverage during the 3-year SR-22 period triggers automatic license suspension and restarts the filing clock, so continuous coverage is essential even if you're not actively driving.
Liability + Comprehensive + Collision
Full Coverage
Full coverage combines liability, comprehensive, and collision insurance to protect both other drivers and your own vehicle. High-risk drivers with financed or leased vehicles must carry full coverage per lender requirements, but collision premiums increase 40–80% after at-fault accidents. Raising collision deductibles to $1,000 or $1,500 can reduce premiums by 15–25%, though you'll pay more out of pocket for repairs after future accidents.
Varies by carrier
Non-Standard Auto Insurance
Non-standard carriers specialize in high-risk drivers with DUIs, suspensions, or multiple violations who cannot secure coverage from standard insurers. These policies cost 50–150% more than standard rates but provide the liability and SR-22 filing required to legally drive in Hawaii. After maintaining clean driving for 2–3 years with a non-standard carrier, most drivers can transition back to standard carriers and recover 30–50% of their premium increase.
State-Mandated Minimum Coverage · Hawaii

Hawaii Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$40,000
Bodily Injury (per accident)$80,000
Property Damage$20,000

Meeting the state minimum keeps you legal. See whether it's enough — get your Hawaii quote.

Get your Hawaii quote

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.

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
Minimum Liability + PIP
$200–$400/mo
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
$280–$520/mo
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
$350–$700/mo
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.

Compare rates from carriers that work with drivers who have points

Standard carriers surcharge heavily after violations. These specialists price your specific record differently.

Get Your Free Quote
✓ Violation Specialists✓ No Obligation✓ Licensed Carriers✓ All Point Levels

Coverage Types

SR-22 Insurance

Certificate proving continuous liability and PIP coverage filed electronically with Hawaii DMV. Required for DUI convictions, license suspensions, and uninsured driving violations for 3 years.

Non-Standard Auto Insurance

Specialized coverage for drivers with DUI, suspensions, or multiple violations who cannot obtain standard market insurance. Higher premiums but provides required liability and SR-22 filing.

Liability Insurance

Covers injuries and property damage you cause to others in accidents. Hawaii requires 20/40/10 minimums, but high-risk drivers should consider 100/300/100 to protect assets.

Personal Injury Protection

No-fault coverage for medical expenses, lost wages, and funeral costs regardless of accident responsibility. Hawaii mandates $10,000 minimum; $25,000+ recommended for high-risk profiles.

Uninsured Motorist Coverage

Protects you when hit by drivers without insurance or insufficient coverage. Must be offered in Hawaii but can be declined in writing.

Full Coverage

Combination of liability, collision, and comprehensive insurance protecting both other drivers and your own vehicle. Required by lenders for financed or leased vehicles.

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

Get Your Free Quote in Hawaii