Hawaii DUI SR-22 Insurance After Conviction
Hawaii requires 40/80/20 liability coverage and is a no-fault state.
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Hawaii at a Glance
40/80/20
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Hawaii
Hawaii operates as a no-fault state, which means your Personal Injury Protection coverage pays your medical bills regardless of who caused the accident. After a DUI conviction, the Hawaii Administrative Driver's License Revocation Office requires SR-22 filing to reinstate your license. The filing period starts on your conviction date — not your reinstatement date — and runs for three years without a lapse.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
SR-22 Certificate of Financial Responsibility
What Drivers Pay in Hawaii
$362–$383/mo
Typical monthly rate in Hawaii, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- Non-standard carriers dominate post-DUI: Dairyland, GAINSCO, and Acceptance write Hawaii SR-22 policies; mainland carriers like State Farm and Geico typically non-renew at term.
Find an Insurer That Will File After a DUI
Get SR-22 Coverage After a DUIIf your license is suspended
Ignition Interlock Permit (IIP); Employee Driver Permit variant
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 after a DUI in Hawaii?
Hawaii requires SR-22 filing for three years from your DUI conviction date — not from the date you reinstated your license. If your policy lapses at any point during those three years, the filing period restarts from the lapse date and you must refile and pay reinstatement fees again.
Will State Farm or Geico file SR-22 for Hawaii DUI drivers?
State Farm and Geico will file SR-22 for existing customers already on a policy at the time of conviction, but both typically non-renew at the end of your six-month or annual term. New DUI SR-22 policies in Hawaii are written almost exclusively by non-standard carriers like Dairyland, GAINSCO, and Acceptance.
Does Hawaii SR-22 requirement transfer if I move to another state?
No — Hawaii's SR-22 filing is specific to Hawaii's Administrative Driver's License Revocation Office and does not transfer. If you move to another state during your three-year filing period, you must notify Hawaii, obtain SR-22 from a carrier licensed in your new state, and maintain both filings until Hawaii's three-year period expires.
Coverage Types
SR-22 Insurance
The SR-22 is an electronic filing your carrier submits to prove you carry Hawaii's minimum coverage. Any lapse triggers automatic license re-suspension within 24 hours.
Non-Owner SR-22
Liability-only policy for drivers who do not own a vehicle but need SR-22 to reinstate their license. Covers you when driving borrowed or rental vehicles.
Liability Insurance
Covers injury and property damage you cause to others. Hawaii's 20/40/10 minimums are the floor — not a safe coverage level for most drivers.
Uninsured Motorist Coverage
Protects you if you are hit by a driver with no insurance or insufficient coverage. Hawaii does not require UM coverage but allows you to reject it in writing.