Cheapest SR-22 Car Insurance in Hawaii

State Farm offers Hawaii's cheapest SR-22 insurance at $851 for minimum coverage and $1,706 for full coverage. Its minimum coverage rate is $3,071 below the state average of $3,923, or around 78% cheaper, one of the biggest percentage discounts nationwide.  

Allstate, the most expensive on our list, costs $6,707 for minimum coverage, actually 90% above the state average and $5,856 more than State Farm. Fewer carrier options in Hawaii can increase costs, making cheaper options for high-risk drivers harder to find.

The table below shows the top five companies with the lowest SR-22 insurance rates in Hawaii.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

State Farm most frequently ranks as the lowest-cost SR-22 carrier across categories. The least expensive category is Drivers With Other Violations, at $504 for minimum coverage SR-22 insurance with GEICO, while the most expensive is Young Drivers With a Suspension, at $851 with State Farm. The $347 spread shows how violation type and age affect Hawaii's SR-22 pricing.

Your individual premium depends on both the nature of your violation and the insurer's rating approach.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Kilauea has Hawaii's lowest minimum coverage SR-22 at $662 (State Farm), while Kailua averages $906 (State Farm). The $244 difference, about 37% higher, reflects moderate urban cost variations across the islands.
Even in smaller states, traffic patterns and regional repair costs can significantly affect SR-22 pricing.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Overall, Progressive stands as the best car insurance provider for SR-22 filing because it offers the strongest balance of affordable rates, good customer service and useful coverage options, earning it the highest overall MoneyGeek score. However, you should also consider State Farm, Farmers, GEICO and Island Insurance in your search.

To comply with Hawaii laws, you must carry these minimum liability limits:

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

In the state, SR-22 certificates are usually required for three years. This period can be extended beyond three years if there is noncompliance with requirements or repeated offenses."

Beyond securing an SR-22 for Hawaii's minimum coverage requirements, drivers must comply with several additional insurance regulations and state laws.

In Hawaii, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts 3 years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

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

MoneyGeek analyzed hundreds of thousands of quotes across Hawaii to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Hawaii SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

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

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts 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

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.