Updated: November 21, 2024
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SR-22 isn't a type of car insurance but a certificate of financial responsibility you might need after a moving violation. You or your insurer files it to prove you have liability coverage. Though the form doesn’t raise your rates, the violations requiring an SR-22 can increase your premiums.
For minimum coverage, State Farm offers the cheapest SR-22 insurance at $413 per year, followed by Farmers at $578. For non-owner SR-22 insurance, State Farm is also the lowest at $303 and GEICO at $458.
Cheapest SR-22 InsuranceHawaiiCheapest Companies for SR-22 Car Insurance in Hawaii
Why Trust MoneyGeek? We gathered data from the Hawaii Department of Labor and Regulation’s Division of Insurance and Quadrant Information Services to identify the most cost-effective SR-22 insurance providers for various driver profiles in Hawaii.
The cheapest companies for minimum coverage auto insurance with an SR-22 in Hawaii are:
The least expensive providers for full coverage car insurance with an SR-22 in Hawaii are:
Expect to pay more for car insurance after a moving violation. However, by comparing quotes, you can find cheap SR-22 car insurance.
| State Farm | $413 | $34 |
| Farmers | $578 | $48 |
| Progressive | $744 | $62 |
| GEICO | $1,743 | $145 |
| Allstate | $1,958 | $163 |
| Island Insurance Group | $2,938 | $245 |
The companies with the cheapest non-owner SR-22 insurance in Hawaii are:
Non-owner car insurance fulfills the state minimum coverage requirements for those who don't own a vehicle but need to file an SR-22 due to reasons like license suspension, revocation or severe traffic violations. For non-owner drivers, finding the most affordable provider ensures compliance without overpaying.
| State Farm | $303 | $25 |
| GEICO | $458 | $38 |
| Progressive | $918 | $77 |
Non-owner car insurance provides liability coverage for those who drive often but don’t own a car. It’s excellent for those renting cars or driving for rideshare services, covering third-party injuries and property damage if you cause an accident.
Non-owner vehicle insurance in Hawaii is usually more affordable than standard insurance. Comparing quotes from several insurers can help you find the most reasonable rates.
An SR-22 isn't insurance but a form proving you have the state's minimum coverage. In Hawaii, you or your insurer must file it after violations like DUI, driving without insurance or repeat traffic offenses. You'll need to maintain the SR-22 for three years. Your insurer must notify the state's Public Safety Department if it's canceled, terminated or lapsed.
An SR-22 confirms that you have these minimum car insurance requirements in Hawaii:
If you don't own a vehicle, you'll need SR-22 non-owner car insurance. Remember, an insurance policy card is not a substitute for an SR-22 form.
Hawaii drivers with certain violations may need to file an SR-22 to prove they have the required minimum auto insurance. This step helps keep your license active after issues like a DUI or driving without insurance. The SR-22 is required for three years, and your insurer must notify the state if your policy is canceled. Here are the convictions that need an SR-22:
DUI conviction
If you're caught driving under the influence in Hawaii, you'll need SR-22 insurance to show you have minimum coverage.
Uninsured driving
If you're pulled over and can’t provide proof of auto insurance in Hawaii, you must file an SR-22 to prove you now have the state's minimum coverage.
Major traffic violations
Serious traffic offenses require SR-22 insurance to confirm you meet Hawaii's minimum coverage requirements.
License reinstatement
After getting your license back from suspension, Hawaii mandates SR-22 insurance to maintain minimum liability coverage.
Filing an SR-22 in Hawaii can raise your insurance rates, limit your coverage options and even lead to insurers denying or canceling your policy mid-term. To keep your driving privileges, maintain continuous minimum coverage, as any lapse can reset your SR-22 requirement, which typically lasts three years.
Understanding the consequences of not filing an SR-22 helps you avoid legal issues and meet state insurance requirements. Here’s how an SR-22 can negatively impact your car insurance in Hawaii:
Limited number of insurance options
Hawaii drivers may find fewer insurance providers willing to offer coverage after filing an SR-22, as companies often view them as high risk.
Possible policy cancellation
Upon filing an SR-22, insurers in Hawaii might cancel the driver's policy mid-term or not renew it, leading to a need for new coverage.
Long period of required filing
Hawaii requires drivers to maintain an SR-22 for three years, starting from the conviction date.
Filing fees
A one-time fee applies when filing an SR-22 in Hawaii, though the exact cost can vary.
High-risk drivers with violations on their record may consider non-standard auto insurance. It usually costs more than standard policies but offers coverage for those who might struggle to find insurance.
The average annual cost of SR-22 car insurance for drivers with a DUI in Hawaii is $3,240 for full coverage and $1,396 for minimum coverage. Drivers with a clean record pay $852 for full coverage and $367 for minimum coverage. This shows the high impact of a DUI on insurance rates.
The SR-22 form itself doesn’t increase rates; it's the DUI that does. Repeat offenders or those with severe violations might face non-renewal or higher rates upon renewal.
| Clean | $367 | $31 |
| Speeding Ticket | $435 | $36 |
| At-fault Accident | $524 | $44 |
| DUI | $1,396 | $116 |
In Hawaii, filing an SR-22 is required after violations like DUI or driving without insurance. It involves a mandatory three-year period of maintaining minimum coverage. Failing to file can lead to severe penalties, including license suspension.
Here are the steps to secure an SR-22 in Hawaii:
If you have had a DUI, were caught driving without insurance or have other serious traffic offenses in Hawaii, you may need to file an SR-22, which is ordered by a municipal court, to verify that you have the state’s minimum coverage.
Request your insurance company to file an SR-22. It will prepare the necessary documentation to verify that your coverage meets Hawaii's minimum liability requirements.
Insurers typically charge a one-time filing fee for an SR-22. Fees vary, but expect to pay around $15–$25. This fee is separate from your insurance premium.
Your insurer can electronically file the SR-22 certificate with the Hawaii Department of Public Safety on your behalf, ensuring you meet the state's legal requirements.
After filing, check with your insurer to confirm the SR-22 has been submitted. You must maintain continuous coverage for three years to comply with state law.
If your insurance is canceled, your insurer is required to notify the state. To avoid license suspension, keep your policy active and in good standing.
If your SR-22 in Hawaii lapses, your driving privilege will be re-suspended. You need minimum coverage to avoid this. For a new SR-22, ask your insurer about the cost of reinstating your license.
Once you've completed the three-year SR-22 term in Hawaii, your insurance company should file a financial responsibility cancellation form. This informs the state you've met the minimum coverage requirement after certain driving offenses.
Finding car insurance after a DUI can be challenging but not impossible. While premiums typically rise — $31 monthly for a clean record versus $116 for a DUI — you can still look for better rates.
If you must file an SR-22 for three years in Hawaii due to a DUI, seek the most affordable minimum coverage.
Complete DUI classes or programs
By taking state-recommended DUI classes, you show a commitment to safe driving. Although completing a class does qualify you to receive lower insurance rates, it can lead to a better driving record.
Look for discounts
Even after a DUI, you might still qualify for car insurance discounts. Check for options like bundling policies or discounts for installing safety equipment, paying in full and setting up electronic billing, which could help reduce your premiums.
Compare car insurance quotes
Compare auto insurance quotes from different providers to find the most affordable state minimum coverage after a DUI.
Increase your deductible
Opting for a higher deductible, which only applies to full coverage policies with collision and comprehensive insurance, can lower your monthly premiums. Just ensure that you can afford it in case of a claim.
Drive less
Reducing your mileage can lower your risk and insurance costs. Consider carpooling or public transportation to decrease your driving time.
Finding affordable SR-22 car insurance in Hawaii can be challenging due to higher premiums. Get answers to common questions about the cheapest SR-22 coverage options in the state.
The cheapest SR-22 car insurance options in Hawaii are from State Farm at $34 per month and Farmers at $48 per month.
Filing an SR-22 in Hawaii increases car insurance rates by an average cost of $1,029 annually.
You need to maintain an SR-22 in Hawaii for three years from the date of your most recent conviction or the date that a judgment has been rendered against you by a court. Failure to maintain coverage for the required time will restart the clock on your SR-22 requirement and can result in reinstatement fees and/or additional enforcement actions, including the suspension of your driver's license.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
