Cheapest SR-22 Car Insurance in Hawaii

State Farm offers the cheapest SR-22 insurance in Hawaii at $34 monthly for minimum coverage, 72% less than the state average of $122. It's also the most affordable for full coverage at $77.

State Farm offers Hawaii's cheapest non-owner SR-22 insurance at $25 monthly or $303 annually. Non-owner insurance is a great option if you need to meet state minimum coverage but don't own a car. 

The table below shows providers and their average minimum coverage costs.

The average cost of car insurance for drivers with an SR-22 in Hawaii is $1,463 annually for minimum coverage, almost 290% higher than the $375 average for drivers with clean records.

SR-22 drivers pay about $3,327 annually for full coverage, nearly 285% more than clean-record drivers who pay around $863.

Having an SR-22 form doesn't automatically raise your insurance rate. The type of violation on your driving record determines the cost. The table below compares SR-22 insurance prices in Hawaii for common violations across age groups.

An SR-22 is a form proving you have minimum coverage. Hawaii drivers with certain violations must file an SR-22 to reinstate their license. Insurers view these drivers as high-risk, raising premiums.

An SR-22, also known as an SR-22 bond or certificate of financial responsibility, isn't an insurance policy. It's a certification your insurer files to confirm to state officials that you have enough liability insurance. It's necessary to meet the reinstatement requirements of Hawaii's Financial Responsibility law.

Drivers in Hawaii must have an SR-22 for up to three years after serious traffic violations. This form shows you meet the state's minimum coverage requirements. To comply with SR-22 laws, you must have these liability limits:

• $20,000 personal injury liability per person
• $40,000 personal injury liability per accident
• $10,000 property damage liability per accident

In Hawaii, SR-22 certificates are usually required for three years. The period can extend to five to 10 years for second and third convictions.

To comply with Hawaii's minimum coverage laws, drivers must follow specific rules beyond maintaining coverage for three years:

• Fees: Regaining driving privileges requires paying a fee and proving liability insurance with an SR-22 form.
• Policy changes: Filing an SR-22 may result in your insurer canceling or not renewing your policy, forcing you to find a new provider.
• Continuous coverage: Maintaining coverage is mandatory during the three years. Lapses can lead to state notification, penalties or license suspension.
• Relocation: Moving out of state requires contacting your insurer for an out-of-state SR-22 filing.
• Cancellation: After three years, your insurer should file a financial responsibility cancellation to confirm you've satisfied the SR-22 requirement.

To reinstate your license after a serious violation, keep your SR-22 coverage active throughout the required period. If you don't have insurance, you'll need an SR-22 quote. Finding SR-22 insurance can be more challenging than for drivers with clean records, as insurers may cancel your policy or deny coverage once you file.

High-risk drivers in Hawaii may find fewer companies offering coverage, often leading to higher premiums and limited choices. When getting an SR-22 insurance quote, check with your insurer for the exact fee if you're filing for the first time. Use these tips to find cheaper SR-22 insurance:

Non-owner car insurance covers those who drive frequently but don’t own a vehicle. It covers third-party injuries or property damage when driving someone else’s car, making it a practical option for renters or rideshare drivers.

Non-owner insurance is often more affordable than standard policies. Comparing quotes from multiple insurers can help you secure the best rate. Once purchased, your insurer can file an SR-22 to meet state requirements, helping in license reinstatement after three years.

Hawaii drivers with severe offenses need an SR-22 to prove they meet state minimum coverage. You must keep this form for up to three years for serious or repeat offenses. Although SR-22 insurance rates are higher, cheap car insurance providers offer affordable options.

Below are frequently asked questions about SR-22 certifications in Hawaii:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for drivers of various profiles and needs in Hawaii.

Hawaii Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Hawaii's minimum coverage requirements, with the following limits:

• $20,000 bodily injury liability per person
• $40,000 bodily injury liability per accident
• $10,000 property damage liability per accident

For the most affordable policy with comprehensive and collision coverage — also referred to as a full coverage policy — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.