A major driving violation on your record classifies you as a high-risk driver, requiring you to have SR-22 insurance in Hawaii to prove your coverage meets the state’s minimum requirements. SR-22 insurance is the same as a traditional car insurance policy but with a higher rate because of the severe driving infraction on your record. You can purchase the cheapest SR-22 insurance in Hawaii for a DUI from State Farm for an average annual rate of $478.
Hawaii SR-22 Insurance: What it is and How Much it Costs
Which Hawaii Insurance Companies Offer the Cheapest SR-22 Insurance?
SR-22 insurance in Hawaii is the same as a standard auto insurance policy but with a higher rate. A conviction of driving with a suspended license or reckless driving results in a more expensive insurance premium each year. The cost of SR-22 insurance in Hawaii if you have a DUI on your record is $1,570 per year on average. It’s more than three times higher than the average cost of car insurance if you have no violations on your record, which is $503 per year on average.
If you’re looking for cheap car insurance in Hawaii, it’s best to compare policies from several carriers. Based on MoneyGeek’s analysis, State Farm offers the most affordable SR-22 insurance in Hawaii for a driver with a DUI, costing $478 per year.
Cheapest Companies for SR-22 Insurance in Hawaii
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These prices are for policies meeting the minimum insurance requirements in Hawaii or a full coverage policy covering $100,000 in bodily injury liability costs per person, $300,000 for injuries per accident and $100,000 in property damage costs.
Aside from the amount of coverage, other factors affect how much SR-22 insurance costs in Hawaii. You’ll have to pay a fee for document filing and fines due to your driving violation, and you will likely lose any discounts. Comparing policies from at least three carriers helps you find the most affordable prices for SR-22 insurance in Hawaii. It also helps to know the average cost of car insurance in the state.
The rate of your policy depends on the gravity of your violation. The more severe the infraction, the higher the price.
You will lose access to good driver discounts because of the violation on your record, making SR-22 insurance more expensive.
You will need to pay a one-time SR-22 filing fee of approximately $25 in addition to your policy premium.
What Is SR-22 Insurance in Hawaii? Who Needs It? How Do You Get It?
Although often referred to as insurance, the SR-22 is merely a form added to your insurance policy. Its purpose is to prove your coverage limit meets the minimum requirements of Hawaii. If you have repeated driving violations or committed severe infractions, such as driving with a suspended license, you need SR-22 insurance in Hawaii, which your carrier can file at your request. Having violations on your record substantially increases your rate — insurance rates after a DUI are more than triple the price of a policy for drivers with a clean record.
High-risk drivers need an SR-22 form. SR-22 insurance in Hawaii proves that their policy meets the minimum state requirements. In Hawaii, these include:
- $20,000 bodily injury liability per person
- $40,000 bodily injury liability per accident
- $10,000 property damage liability per accident
- $10,000 personal injury protection
Who Needs SR-22 Insurance in Hawaii? And for How Long Do They Need It?
The violations that result in drivers requiring SR-22 insurance vary between states. Your insurance rates with speeding tickets are higher than those for drivers with clean records. Still, speeding violations do not require SR-22 insurance in Hawaii since they are not considered major driving violations. Committing the following infractions, however, will almost guarantee that you’ll need SR-22 insurance in Hawaii:
- Reckless or dangerous driving
- Driving without car insurance
- Driving under the influence
- Driving with a suspended or revoked license
You’ll need to carry it for three years on average, although how long you need to hold SR-22 insurance in Hawaii depends on the specifics of your conviction.
How Do You Get SR-22 Insurance in Hawaii?
The carrier handling your car insurance in Hawaii can file an SR-22 form with the state — all you need to do is request it from them. Insurers understand that drivers who need SR-22 insurance have committed severe driving violations and may be considered high-risk. Because of this, they may choose not to cover you.
Non-Owner SR-22 Insurance in Hawaii
You can lose your license if you commit a major driving violation, such as reckless driving. States have different requirements for their reinstatement — depending on your infraction, you may have to pay fines or complete a driver improvement course. In Hawaii, you’ll have to file an SR-22 form to prove your auto insurance policy meets the minimum state requirements, regardless of whether you own a car or not.
Regularly borrowing a car from friends or family instead of buying your own makes purchasing traditional car insurance illogical. Non-owner car insurance is a better option since it provides the necessary liability coverage with lower costs. It makes sense if you don’t own a vehicle or rent cars frequently.
On average, the cost of SR-22 insurance in Hawaii comes to $1,250 per year, though different carriers offer varying prices. MoneyGeek compared several quotes and found the cheapest non-owner SR-22 insurance policy in Hawaii is from State Farm, costing $273 per year on average. You can also purchase affordable SR-22 insurance from USAA at an average rate of $396 per year, although their policies are only available to current and former military members and their families.
The Average Cost of Non-Owner SR-22 Car Insurance in Hawaii
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These rates are for non-owner insurance policies for drivers in Hawaii with DUIs, covering damages up to $100,000 from bodily injuries per accident, subject to a $50,000 limit per person and $50,000 for property damage.
FAQs About SR-22 Insurance in Hawaii
Drivers in Hawaii needing SR-22 insurance often have many questions regarding rates and carriers. Here are the answers to some commonly asked questions on this topic.
Read More About Car Insurance
MoneyGeek analyzed renters insurance premiums from six of the top insurance companies in Hawaii provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Hawaii. We gathered quotes for policies that meet the state’s minimum coverage requirements and full coverage policies with $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage liability per accident. Rates are for the same driver with both a clean record and a DUI.
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