Cheapest SR-22 Car Insurance in Hawaii (2023)

For drivers seeking the cheapest SR-22 insurance in Hawaii for minimum coverage, State Farm offers a rate of $297 per year, followed by 21st Century at $519 per year. State Farm is the most affordable choice for full coverage at $690 per year, followed by 21st Century at $1,103 per year.

For non-owner SR-22 insurance in Hawaii, State Farm and GEICO are the most cost-effective providers, with rates of $303 and $458 per year, respectively. If you have committed a serious driving violation, such as a DUI, you may be required to file an SR-22 form, which acts as proof of financial responsibility.

The cheapest SR-22 insurance provider in Hawaii offering minimum coverage for drivers with significant violations are:

• State Farm: $297 per year
• 21st Century: $519 per year

The same two providers also offer the cheapest rates for full coverage SR-22 policies:

• State Farm: $690 per year
• 21st Century: $1,103 per year

Following a driving violation, car insurance rates rise as insurance providers perceive the driver as a higher risk. However, finding affordable SR-22 car insurance coverage is still possible by comparing rates between insurers. MoneyGeek discovered the most affordable options in Hawaii, with rates spanning from $297 to $2,938 per year.

An SR-22 is a certificate of financial responsibility that serves as proof of having car insurance. It is not an insurance policy but rather a requirement imposed by certain states for drivers convicted of specific driving offenses like driving under the influence (DUI) or reckless driving.

The primary objective of an SR-22 is to guarantee that drivers convicted of such offenses possess the necessary financial resources to cover any potential damages resulting from an accident. Typically, in Hawaii, you must maintain your SR-22 filing for three years, but the specific filing period varies depending on the gravity of the offense committed.

Your insurance provider completes and submits the SR-22 form in Hawaii to the Department of Motor Vehicles (DMV) on your behalf. Insurers may view drivers who require an SR-22 as more likely to be involved in accidents or other driving incidents, leading to higher premiums.

For non-owner SR-22 insurance in Hawaii, the two companies offering the most affordable options are:

• State Farm: $303 per year
• GEICO: $458 per year

USAA is also an excellent choice for military members and their families, as it offers non-owner SR-22 car insurance with an annual premium of $264.

In certain situations, even if you don't own a car, you might still be required to file an SR-22. Non-owner car insurance becomes necessary if your vehicle has been declared a total loss, taken away or if you need to reinstate your license. To assist you in exploring available choices, we have found the cheapest rates for non-owner auto insurance in Hawaii, which range from $303 to $918 per year.

The average cost of SR-22 insurance in Hawaii for drivers with a DUI on their record is approximately $1,371 per year for minimum coverage and $3,143 per year for full coverage. Filing an SR-22 form may also be necessary for other offenses, such as speeding or at-fault accidents. Such violations can lead to pricier insurance rates as high-risk drivers are considered more likely to file claims.

Filing an SR-22 can result in higher car insurance rates, as it signifies that you are considered a high-risk driver. Insurance companies often increase premiums for individuals in this category, as they are more likely to file claims.

The extent of the offense, the state of residence and your driving record all contribute to the degree of rate increase following an SR-22 filing. Drivers convicted of more severe offenses will experience more substantial rate hikes. Hawaiian drivers can expect an average rate increase of $1,008 after a DUI conviction.

Aside from the increased premiums, filing an SR-22 form in Hawaii can result in various repercussions, including limited insurance options, the possibility of policy cancellation and other associated consequences:

To shop for auto insurance following a driving violation in Hawaii, you can follow these steps:

1. Search for an insurance provider that offers coverage to drivers with previous infractions.
2. Acquire an insurance policy that fulfills the minimum liability requirements set by Hawaii.
3. Ask your insurance company to handle the submission of the SR-22 form on your behalf.
4. Ensure prompt payment of any relevant fees and consistently maintain an updated SR-22 form.

Following these guidelines and maintaining an active SR-22 form can fulfill the necessary requirements and maintain your legal driving status in Hawaii.

Car insurance is typically more expensive after being convicted of a DUI because providers consider you a high-risk driver. Fortunately, there are avenues to discover more budget-friendly alternatives. You can potentially save money by comparing quotes for SR-22 car insurance from various providers.

MoneyGeek addressed some frequently asked questions and offered valuable insights to assist you in finding cheap SR-22 insurance in Hawaii.