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Hawaii SR-22 & High-Risk Auto Insurance

Hawaii requires 40/80/20 liability coverage and is a no-fault state.

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Hawaii at a Glance

40/80/20

Minimum liability limits, in thousands of dollars (per person / per accident / property)

No-fault

Each driver's own policy pays their injuries first, whoever caused the crash

Required

PIP coverage must be on every policy

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Hawaii

Drivers with DUI convictions, multiple at-fault accidents, or uninsured driving violations typically must file SR-22 proof of insurance for 3 years.

Liability Insurance

Hawaii's 20/40/10 minimums are among the lowest in the country, meaning you could be personally liable for damages exceeding these limits in a serious accident. For drivers completing SR-22 requirements, liability claims during the monitoring period can trigger policy review or non-renewal. Many post-SR22 drivers carry 50/100/50 or higher to protect assets and demonstrate lower risk to insurers shopping for better rates.

Personal Injury Protection (PIP)

For post-SR22 drivers, PIP claims are factored into risk profiles differently than liability claims, as they don't establish fault.

Uninsured/Underinsured Motorist Coverage

Comprehensive Coverage

Comprehensive coverage pays for non-collision damage: theft, vandalism, weather, and falling objects. Hawaii's volcanic activity, tropical storms, and high vehicle theft rates in urban areas make comprehensive coverage particularly valuable.

Collision Coverage

Collision coverage repairs or replaces your vehicle after an at-fault accident, regardless of SR-22 status. For drivers recovering from DUI or at-fault accident violations, collision claims can significantly impact renewal rates even after SR-22 ends.

What Drivers Pay in Hawaii

$217–$383/mo

Typical monthly rate in Hawaii, high-risk drivers after a DUI

Rate data: ValuePenguin and Insurify, 2026

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Shop Again Now That Your Filing Has Ended

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If your license is suspended

Ignition Interlock Permit (IIP); Employee Driver Permit variant

A restricted license is available while suspended.

A coverage lapse is reported

The state can act when your insurance lapses.

Source: state DMV, insurance department and statute records, verified July 2026

Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. Hawaii's 20/40/10 minimums are frequently inadequate in serious accidents, leaving you personally liable for excess damages.

Full Coverage

Combines liability, comprehensive, and collision coverage. Protects both your financial liability and your vehicle's value in accidents, theft, or weather damage.

Comprehensive Coverage

Pays for non-collision damage including theft, vandalism, volcanic ash, flooding, and falling debris. Required by lenders if your vehicle is financed or leased.

Uninsured Motorist Coverage

Protects you if an at-fault driver lacks insurance or carries insufficient limits. Not required in Hawaii but highly recommended given uninsured driver rates.

SR-22 Insurance

SR-22 is a state-required filing proving you carry minimum liability and PIP coverage. The filing itself costs $15–$35, but the violation that triggered it increases premiums significantly.

Non-Standard Auto Insurance

Coverage from carriers specializing in high-risk drivers, including those with recent DUI, SR-22, or multiple violations. Often 20–40% cheaper than standard carriers for post-SR22 profiles.

Find Your City in Hawaii

Honolulu

urban

Pearl City

suburban

Hilo

urban

Kailua

suburban

Waipahu

suburban