Cheapest SR-22 Car Insurance in Hawaii

State Farm provides the most affordable cheapest SR-22 insurance in Hawaii at $71 monthly for minimum coverage and $142 for full coverage, about 71% below the state's average rates. These rates reflect costs for 40-year-old drivers with a DUI on record. Farmers, Progressive, GEICO and Allstate might offer better rates for your situation.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

State Farm leads the Hawaii SR-22 market by offering the lowest rates in five out of seven categories, including coverage for most drivers, young drivers and seniors. Farmers provides the best rates for drivers with multiple speeding tickets, while GEICO offers affordable coverage for other violations.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Our analysis shows general winners for common categories, but finding affordable coverage depends on your specific situation. The comparison table below matches you with cost-effective providers based on your age, gender, coverage needs, credit and driving history.

State Farm provides the most affordable SR-22 car insurance across Hawaii, with rates starting at $55 per month, depending on your location. You can review its rates for major cities in Hawaii below.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Overall, Progressive stands as the best car insurance provider for SR-22 filing because it offers the strongest balance of affordable rates, good customer service and useful coverage options, earning it the highest overall MoneyGeek score. However, you should also consider State Farm, Farmers, GEICO and Island Insurance in your search.

SR-22 car insurance in Hawaii costs $2,198 annually for minimum coverage and $3,969 for full coverage policies. Hawaii ranks 26th for minimum coverage affordability and 27th for full coverage nationwide. Monthly rates range from $57 to $564, with costs varying based on individual driver profiles.

*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Among Hawaiian cities, Kilauea offers the lowest SR-22 minimum coverage rates at $138 monthly, while Honolulu has the highest at $193 per month. Review costs below for major cities across Hawaii for both full and minimum required coverage policies.

* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

To comply with Hawaii laws, you must carry these minimum liability limits:

• $20,000 personal injury liability per person
• $40,000 personal injury liability per accident
• $10,000 property damage liability per accident

In the state, SR-22 certificates are usually required for three years. This period can be extended beyond three years if there is noncompliance with requirements or repeated offenses."

Beyond securing an SR-22 for Hawaii's minimum coverage requirements, drivers must comply with several additional insurance regulations and state laws.

In Hawaii, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts 3 years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Hawaii:

MoneyGeek analyzed hundreds of thousands of quotes across Hawaii to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Hawaii SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Hawaii's minimum coverage requirements, with the following limits:

• $20,000 personal injury liability per person
• $40,000 personal injury liability per accident
• $10,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.