Hawaii SR-22 Insurance
There are three different types of Hawaii SR-22 car insurance. The Operator’s certificate covers financial responsibility if the motorist does not have a vehicle, owner’s certificate is for the motorist’s vehicle, and the Operator-Owner’s covers both the motorist’s vehicle and other vehicles if not insured.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Mar 24, 2025
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What is Hawaii SR-22 Insurance?
The Hawaii SR-22 car insurance is a form that insurance companies issue to prove to a state that an individual has proper insurance. It is the way that the state monitor’s insurance for a driver who has had problems with their driver’s license, such as DUI, habitually lacking insurance, or multiple tickets in a short period of time.
Six major factors affect car insurance rates in Hawaii. Which auto insurance factors will impact SR-22 rates the most? Typically, that’s a HI DUI. Some states have banned discrimination based on your credit score when it comes to auto insurance rates, and this is one of those states.
Who needs SR-22 Insurance in Hawaii?
In Hawaii, an SR-22 is required when a driver has been in an accident while uninsured and has not paid for damages, when they have been charged with driving under the influence, DUI, when a license has been suspended due to an accumulation of moving violations, or in cases of mandatory insurance supervisions.
Are there different types of Hawaii SR-22 Forms?
There are three different types of Hawaii SR-22 car insurance. The Operator’s certificate covers financial responsibility if the motorist does not have a vehicle, owner’s certificate is for the motorist’s vehicle, and the Operator-Owner’s covers both the motorist’s vehicle and other vehicles if not insured.
Is SR-22 Car Insurance required in Hawaii?
SR-22 is required in the state of Hawaii to monitor the insurance of problem drivers. The minimum coverage is $20,000 for one person killed or injured, $40,000 for two or more people killed or injured, $10,000 for property damage, and $10,000 for personal injury protection.
How much does SR-22 insurance cost compared to a standard policy in Hawaii?
Because of the violations on your record, the cost of SR-22 insurance in Hawaii is more expensive than a traditional car insurance policy. Policies for drivers with clean records cost $503 on average per year, while those with severe violations spend an annual average of $1,570 for SR-22 insurance in Hawaii. Auto insurance companies charge high-risk motorists higher rates on account of the increased risk of a claim payout.
How long do Hawaii drivers need an SR-22?
How long you have to carry SR-22 insurance in Hawaii may vary depending on the details of your violation, but the average driver requires the SR-22 filing for about three years.
How Do I File a Hawaii SR-22 Insurance Form?
Contact an insurance agency that is authorized to issue SR-22 insurance. Once you have paid the processing fee, which varies by agency, they will send the SR-22 to the Secretary of State in Hawaii. The Secretary of State will send the driver a letter along with the Hawaii SR-22 car insurance form to be kept with them at all times when driving.
Hawaii SR-22 Insurance: The Bottom Line
Hawaii requires SR-22 documentation for drivers who are convicted of serious traffic violations. The list includes reckless driving, hit-and-run, and DUI, among other major offenses.
The insurance rates offered to someone with an SR-22 requirement are typically higher than a policy for someone with a clean driving record.
