Cheapest SR-22 Car Insurance in Hawaii: 2026 Rates and Requirements

Hawaii is one of the few states where your credit score plays no role in your SR-22 rate. Under Hawaii Insurance Code, insurers cannot use credit-based pricing, which means a damaged credit score won't compound the cost of a violation surcharge the way it would in most other states. For cost, State Farm leads at $65/month for minimum coverage, with Farmers second at $74/month, a $9 monthly gap.

Drivers with a financed vehicle who need full coverage car insurance will find the most cost-effective full coverage option in the same table. Hawaii bans credit-based pricing.

Racing and multiple speeding tickets carry the lowest SR-22 rates in Hawaii, with Farmers reaching the mid-$50s per month in this category. Hit-and-run sits higher at $70/month through State Farm, while the Most Drivers category runs $71/month. Drivers can also get car insurance after a DUI.

Hawaii's SR-22 rates vary across islands, though the range between cities is narrower than in many mainland states. Kilauea has the cheapest car insurance rates in Hawaii in this analysis at $55/month through State Farm, while Honolulu and Kailua both come in at $76/month, a $21 monthly gap between the least and most expensive cities shown. State Farm is the cheapest provider in every Hawaii city included in this analysis.

Progressive offers the best car insurance in Hawaii based on our SR-22 analysis with a score of 4.83, the highest in this comparison and leads in customer experience with a perfect 5 out of 5 score. State Farm is among the best car insurance companies and ranks second overall (4.65) and leads in affordability with a 5 out of 5 affordability score, the right fit for drivers who need the lowest monthly rate during Hawaii's three-year SR-22 period.

A DUI conviction produces the largest rate jump in Hawaii's SR-22 table, raising the minimum coverage average from $36/month for a clean-record driver to $131/month, a 264% increase and $95 monthly surcharge. Lower violations carry much smaller additions to the average cost of car insurance in Hawaii: an at-fault accident in the $1,000 to $1,999 range adds $14/month, while speeding and texting while driving each add $6/month above the baseline. Drivers can use the car insurance calculator in Hawaii to estimate their specific costs.

An SR-22 is a certificate of financial responsibility, not an insurance policy, that your insurer files with your county's Division of Motor Vehicles and Licensing to confirm you carry at least Hawaii's minimum liability coverage. Hawaii requires drivers to maintain SR-22 filing for three years from the date of the conviction or civil judgment that triggered the requirement. Hawaii does not use FR-44. The SR-22 is the only financial responsibility certificate required in this state.

If your coverage lapses at any point during the three-year period, your insurer files an SR-26 cancellation notice with your county DMV immediately, your license is re-suspended and the three-year clock restarts from scratch with no grace period. The county reinstatement fee in Honolulu is $20. Confirm the fee with your specific county DMV before filing.

State Farm is Hawaii's cheapest SR-22 option at $65/month for minimum coverage and $134/month for full coverage, both the lowest in this analysis. Progressive ranks first overall (4.83) and is the stronger fit for drivers who expect to file a claim or want the best-rated customer experience during the three-year period. One thing specific to Hawaii: SR-22 filing goes through your county's Division of Motor Vehicles and Licensing, not a statewide DMV. Confirm your completion date with your specific county office before dropping coverage, since county DMVs don't send automatic notices.