How to file for SR-22 insurance in Hawaii| finder.com
SR-22 in Hawaii

Filing for SR-22 insurance in Hawaii

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If you run into trouble on the roads of Hawaii, you may need to file for an SR-22 — also called financial responsibility insurance.

High-risk drivers in Hawaii are required to file an SR-22 to prove they’re covered by the state’s minimum insurance requirements. We’ve gathered what you need to know about filing for an SR-22 in Hawaii.

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Find the best rates from insurance providers near you or learn more about state minimums and other requirements in the comprehensive guide to Hawaii car insurance.

Name Product Roadside assistance New car protection Available states
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Optional
Yes, cars under 1 year old & 15,000 miles
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.

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Do I need to file an SR-22 in Hawaii?

Your state DMV will let you know if you need to file an SR-22. Hawaiian courts may require an SR-22 if:

  • You have a safety responsibility suspension on your record — for example, you were responsible for an accident and didn’t pay for damages or injuries.
  • You’re convicted of driving under the influence of alcohol or drugs or refused a breathalyzer.
  • You accumulated many points on your driving record.
  • You’re caught driving without insurance.

It’s key to check with your local DMV office to find out how to reinstate your license. Each county has its own division for driver’s licenses and vehicle registration.

What if I don’t have a car or license?

In most cases, yes. Insurance covers you — not your car. If you don’t have a car but will drive someone else’s, you’ll need to look into a non-owner policy. You’re also required to get non-owner insurance to reinstate your license in Hawaii.

Hawaii has fewer licensed insurers than most states, so research and compare your full range of options to find a provider that’s best for your needs.

What if I’m from another state?

Your SR-22 coverage should be enough to allow you to legally drive in Hawaii if you’re from another state, but you’ll need to transfer the filing to Hawaii. Contact the local vehicle licensing office and your insurance to be sure you’re good to go before you get on the road.

Get cheap SR-22 insurance

Compare SR-22 car insurance from companies near you.

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How much does SR-22 insurance cost in Hawaii?

You could pay from $25 to $50 to file an SR-22, depending on your insurance provider. But the real penalty comes with an increase in your premiums.

In most cases, you’ll pay more for insurance now that you’re considered a high-risk driver. When you’re looking for affordable coverage in Hawaii, talk to an agent about how much your rates will increase and what you need to do to ensure timely renewal.

Companies that offer SR-22 car insurance in Hawaii

Not every insurer offers SR-22 filing support. Compare cheap rates from Hawaii insurance companies that offer SR-22 insurance. Your actual quotes will vary based on your demographics, location, driving record and other factors.

Rates last updated November 20th, 2018
Company Median annual rate Learn more
Liberty Mutual $794 Read review
Allstate $428 Read review
State Farm $227 Read review
Geico $264 Read review
Farmers $499 Read review
USAA $325 Read review
Average $423 Compare more reviews

How do I file for SR-22 insurance in Hawaii?

If you already carry an insurance policy, contact your current provider to see how you can go about filing for an SR-22. Most insurance providers will file an SR-22 on your behalf for a fee.

To be eligible for an SR-22, your policy must cover Hawaii’s minimum liability requirements:

  • $20,000 bodily injury per person.
  • $40,000 bodily injury total per accident.
  • $10,000 property damage total per accident.
  • $10,000 personal injury protection.

Once you’ve purchased your policy, your provider will file an SR-22 with the Hawaii Department of Transportation (HDOT).

You can’t drive until your SR-22 is fully processed, so stay on top of your filing status. If after a week you haven’t heard anything, call your provider.

Find out how to get an SR-22 with…

How long will I need an SR-22 in Hawaii?

You’re required to carry an SR-22 for a minimum of three years, but your exact penalty period depends on your offense and whether you face court penalties or fines.

It’s your responsibility to renew your policy each year. Failure to renew your insurance and SR-22 could add more time — and more money — to your filing requirement.

What happens if I let my SR-22 lapse?

Whether you fail to pay your insurance or don’t renew your SR-22 with your policy at least 15 days before it expires, your insurance company will notify the HDOT of the lapse. Once notified, the HDOT may decide to suspend your driving privileges until you apply for a new SR-22.

If you allow your SR-22 to lapse in Hawaii, it won’t necessarily reset your time required to hold this type of coverage. Talk with your insurance provider or your local DMV to confirm any penalties.

What happens when I don’t need SR-22 coverage anymore?

Once your filing requirement ends you’ll be free to change your policy as you see fit. Before you cancel your current policy confirm with the HDOT that you no longer need SR-22 coverage. Doing so can help you avoid penalties you may otherwise incur on the off chance that it is still required.

Bottom line

Even without a car, you may be required to carry insurance under an SR-22 mandate. Your local DMV will likely have resources available to help keep you on track to fulfilling your required filing time. Be sure to keep up on payments, as it’s your responsibility to avoid a lapse in coverage.

You’re not without choices, even with a mark on your record. Take your time and compare providers to find a policy that fits your needs.

Get cheap SR-22 insurance

Compare SR-22 car insurance from companies near you.

Your information is secure.

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2 Responses

  1. Default Gravatar
    KonaApril 22, 2018

    What if I already carried more than the minimums on my auto policy at the time of my infraction?

    • finder Customer Care
      JoshuaApril 23, 2018Staff

      Hi Kona,

      Thanks for getting in touch with finder.

      In this case, you might not be able to get cover at the time of your infraction.

      Ultimately, you need to discuss this with your insurer or read your T&C to know exactly how your policy may cover you.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

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