If you have been told you need SR22 insurance in Hawaii, this guide covers everything specific to your state — the exact requirements, what it costs, how long you need it, and the fastest way to get your license reinstated.
Hawaii SR22 Quick Facts
✓ SR22 Duration: 3 years from date of suspension
✓ Minimum Liability: 20/40k bodily injury / 10,000 property damage
✓ SR22 Filing Fee: $15–$50 (one-time)
✓ Average Monthly Premium: $145–$290
✓ Non-Owner SR22: $73–$158/month
SR22 Requirements in Hawaii
Hawaii is a no-fault insurance state with unique insurance regulations. The state requires SR22 for 3 years. Hawaii prohibits insurers from using credit scores in auto insurance pricing — one of only four states with this prohibition. Hawaii’s insurance market is more limited than most states due to its geographic isolation, which can make finding SR22 coverage somewhat more challenging.
Hawaii is a no-fault state requiring PIP coverage for all drivers. Because Hawaii prohibits credit-score pricing, SR22 drivers with lower credit scores benefit compared to most states. Hawaii’s geographic isolation means fewer insurer options — Progressive and The General are among the best starting points for SR22 drivers.
The most common reasons Hawaii drivers need SR22 include DUI/DWI conviction, driving without insurance, license suspension or revocation, reckless driving, and at-fault accidents while uninsured. If your license has been suspended for any of these reasons, SR22 or the equivalent financial responsibility filing is likely required before it can be reinstated.
How Much Does SR22 Insurance Cost in Hawaii?
SR22 insurance in Hawaii has two costs: the one-time filing fee ($15–$50) and your higher monthly insurance premium as a high-risk driver. Here is what Hawaii drivers typically pay:
| Situation | Est. Monthly Premium |
|---|---|
| Minor violation (uninsured, points) | $145–$290 |
| DUI / DWI conviction | $205–$385 |
| Non-owner SR22 (no vehicle) | $73–$158 |
These are estimates. Your actual rate depends on your age, driving history, vehicle, and the specific insurer you choose. Always get at least 3 to 5 quotes — rates vary significantly between companies even for identical coverage.
SR22 After a DUI in Hawaii
A DUI conviction in Hawaii (Hawaii uses both DUI and OUI terminology) requires SR22 for 3 years. Hawaii requires completion of a substance abuse assessment and any recommended treatment. Ignition interlock devices are required for all DUI convictions in Hawaii, including first offenses, for a minimum of 1 year.
⚠ Never Let Your SR22 Lapse in Hawaii
If your SR22-backed policy lapses for even one day your insurer must notify the Hawaii DMV immediately. Your license will be suspended again and your SR22 period may reset to zero. Set up autopay the day you get your policy and never miss a payment.
How to Get SR22 Filed in Hawaii
1Confirm your requirement with the Hawaii DMV
Get your exact end date and a full list of reinstatement requirements.
2Get quotes from at least 3 to 5 insurers
Tell each insurer you need SR22 filing in Hawaii. Progressive, Dairyland, and The General are good starting points.
3Purchase your policy and pay the filing fee
Your insurer files the SR22 certificate with the Hawaii DMV — usually within 24 hours. Set up autopay immediately.
4Complete remaining requirements and get your license reinstated
Pay your DMV reinstatement fee and complete any other required steps. The Hawaii DMV will process your reinstatement typically within 1 to 5 business days.
Frequently Asked Questions
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SR22 requirements and costs in this article are based on general Hawaii state guidelines and industry averages. Your specific situation may differ. Always confirm requirements with the Hawaii DMV and get quotes from licensed insurance providers in your state. SR22 Insurance Guide does not sell insurance and is not a licensed insurance agent.