Best Hawaii SR-22 Insurance in 2024
What are Hawaii SR-22 requirements?
In Hawaii, you may need to file an SR-22 if you’re considered a high-risk driver. If you’ve committed a certain driving violation, you may be required to file an SR22 form by the court or the state of Hawaii. The SR22 form is a certificate of financial responsibility and it guarantees to the state of Hawaii that you have at least the minimum liability requirements in Hawaii.
You’ve likely heard the term SR-22 insurance if you’re required to file an SR22 in Hawaii. While SR-22 insurance is not actually a different type of insurance from typical car insurance, the term is often used to describe car insurance coverage for those who need an SR-22 endorsement because an SR22 affects your car insurance coverage and cost. In Hawaii, SR-22 insurance after a DUI conviction costs an average of 39% more than car insurance for standard drivers. A DUI is one of the most common reasons for needing SR22 insurance.
In general, the SR-22 filing is required for a period of three years in Hawaii, but it may vary based on your case and offense. During your filing period, you must continually maintain your required coverage. If you have a lapse in coverage or your SR22 policy is cancelled, you may face additional license suspension and other penalties. SR22 policy renewals need to be done 15 days prior to the lapse of the policy. If you let your coverage lapse, you may need to pay additional SR-22 related fees again.
The SR-22 can be expensive because it increases the annual car insurance premiums. Moreover, there is a filing fee that the insurance company charges for submitting the necessary SR-22 documentation with the state.
Use our comparison tool to compare insurance quotes from multiple companies.
What are the SR22 insurance limits in Hawaii?
If you’re required to have SR-22 insurance in Hawaii, you’ll be required to have at least the following coverage:
- Liability:
- $20,000 bodily injury per person
- $40,000 bodily injury per accident
- $10,000 property damage per accident
- Personal injury protection:
- $10,000 per person
- Bodily injury caused by an uninsured/underinsured motorist:
- $20,000 per person
- $40,000 per accident
You need these minimum liability limits in order to legally drive in Hawaii. If you don’t maintain this coverage, you could face penalties, such as additional fines and extended license suspension.
You may also need to carry $10,000 property damage per accident and $10,000 personal injury protection. You can't legally drive until your SR-22 car insurance form is fully processed and the filing requirement is completed.
The property damage liability insurance will provide coverage for the driver and anyone else driving the motor vehicle in the case of an accident.
Who needs SR-22 Insurance in Hawaii?
SR22 insurance in Hawaii is required for certain drivers that pose a high risk because of certain violations. SR22 insurance may be required in order for you to get your license reinstated after it has been suspended or revoked. You could need SR22 insurance in Hawaii for the following reasons:
- Conviction for driving under the influence (DUI or DWI)
- Driving without car insurance
- Driving with a revoked or suspended license
- Having repeated traffic violations in a certain amount of time, including speeding tickets
- Numerous at-fault accidents
- A fatal at-fault accident or one that results in injuries
- Reckless or dangerous driving
- Assignment from a court order
- Failure to pay fines from tickets
- Refused consent to breathalyzer or blood alcohol test
As a general rule, SR-22 insurance becomes a requirement only if you have exhibited some unsafe driving practices that make you a potentially high-risk driver and, therefore required by the state of Hawaii to have it. If you maintain a clean, safe driving record, you likely won’t need SR22 insurance.
How are Hawaii SR-22 insurance rates calculated?
If you need SR-22 insurance, your car insurance rates may increase significantly. When you’re required to have an SR22, you get placed into the category of a high-risk or non-standard driver. High-risk drivers tend to pay the highest car insurance rates, but the cost of car insurance varies by company. There are many other factors that go into the cost of SR-22 insurance such as your age, gender, location, credit score, vehicle type, marital status and so on.
One of the most common reasons drivers need SR-22 insurance is because of a DUI conviction. On average, drivers with one DUI conviction in Hawaii pay $1,367 per year for car insurance. That’s 39% more than car insurance for a driver with a clean driving record. However, the cost you pay differs significantly based on the company you buy car insurance from. In the table below, you can find average rates for Hawaii drivers who have one DUI conviction from some of the largest companies in the state.
| Company | Car insurance rate |
|---|---|
| Geico | $847 |
| USAA* | $1,023 |
| State Farm | $1,369 |
| Allstate | $1,626 |
| Liberty Mutual | $1,690 |
| Progressive | $1,805 |
| Farmers | $2,412 |
*USAA is only available to active and former military members and their families.
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 DUI on their record. The rates displayed should only be used for comparative purposes as individual rates for high-risk insurance in Hawaii will differ. Rate data is provided by Quadrant Information Services.
How to get SR-22 Insurance in Hawaii?
To get SR22 insurance in Hawaii, you have to file for the SR-22 insurance through an insurance company licenced in the state of Hawaii. You can’t complete an SR-22 form on your own. Not all insurance companies offer SR22 coverage. Be sure to check with your company to see if it does. Even if it does, you may want to shop around for a new policy from a different company in order to find the cheapest rates. SR22 insurance rates can vary greatly from company to company.
Use the table at the top of this page to find all the car insurance companies that offer SR-22 insurance in Hawaii with a minimum of 25 reviews. If you want to see which companies customers say are the best car insurance companies for SR22 insurance in Hawaii, sort the table by highest rated. You can sort through companies and find the ones you want to get quotes from. To get quotes, click on the orange “Click for quote” button next to the company, call the number available, or visit the company’s website.
If you want to read customer reviews of the company, click the company name in the table and you will be directed to the company’s profile page containing information about the company and reviews.
Are there any SR-22 fees in Hawaii?
On top of an increase in car insurance cost, to file your SR-22 you have to pay a fee that can range anywhere between $25 and $50 in Hawaii. However, the cost can vary based on your insurance company. You’ll likely have to pay additional fees depending on your conviction including a reinstatement fee if your license was suspended or revoked. A DUI is a very costly offense.
How are car insurance rates calculated?
When searching and comparing car insurance quotes, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you with a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:
- Your driving record
- How much you drive
- Location
- Age
- Marital status
- Gender
- Your car’s make, model and year
- Your credit history (in some states)
- Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)
One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?
Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.
How much car insurance do I need?
You certainly don’t want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?
The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision and comprehensive coverage, but for someone driving an older car that doesn’t have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require its drivers to purchase personal injury protection (PIP).
So when it comes to determining what car insurance coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.
How to save money on your car insurance?
At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.
Here are six ways you may be able to lower your car insurance rates:
- Bundle your car insurance with other policies
- Consider raising your deductibles
- Pay your car insurance policy in full
- Try usage-based car insurance
- Monitor price changes to your policy
- Shop for better insurance rates
How do we rank car insurance companies?
Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:
- Cost
- Customer Service
- Overall Experience
- Claim service
- Purchasing experience -Likelihood to recommend
Car Insurance Guide
Whether you’re buying your insurance directly or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage/underinsured motorist coverage? Do you know how a deductible works?
We want to make sure you’re equipped with proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our blog for more information and topics related to car insurance.