SR-22 After DUI
Get a Quote

Hawaii DUI SR-22 Insurance After Conviction

Hawaii requires SR-22 filing with 20/40/10 minimum liability coverage after DUI conviction. Most mainland carriers non-renew at policy term — expect $180–$280/mo in the non-standard market, higher if your conviction included injury or refusal.

Compare Hawaii Auto Insurance

Non-Standard Auto · SR-22 · Senior · Teen Drivers

Mountain road at sunset with car driving toward bright sun, clouds below in valley, golden hour lighting
Quotes from state-licensed insurance professionals
Licensed Agents Only
Free to request, no commitment required
No Obligation
No cost to you
Free to Use
Your contact information is protected
TCPA-Compliant
Updated May 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.

Hawaii cityscape and street view
Bodily Injury Liability
Covers injury you cause to others in an accident. Hawaii's 20/40 minimum is among the lowest in the nation — a single emergency room visit can exceed $20,000. If you caused injury in your DUI incident, underinsured claims against you remain a risk even after conviction.
Property Damage Liability
Covers damage you cause to another vehicle or property. The $10,000 minimum does not cover total loss of most vehicles on Hawaii roads. If your DUI involved property damage, consider $25,000 minimum to reduce personal exposure.
Personal Injury Protection (PIP)
Covers your medical bills and lost wages regardless of fault. Hawaii's no-fault system makes PIP mandatory. The $10,000 minimum covers less than one day in most Hawaii hospitals — increase to $25,000 or $50,000 if you carry any medical debt or lack health insurance.
SR-22 Certificate of Financial Responsibility
The SR-22 is not insurance — it is a state filing your carrier submits electronically to prove you carry the required minimums. If your policy lapses for any reason, the carrier notifies the state within 24 hours and your license is re-suspended. The three-year period restarts from the lapse date, not the original conviction date.

How Much Does Car Insurance Cost in Hawaii?

DUI SR-22 rates in Hawaii run higher than mainland averages because of Hawaii's isolated non-standard insurance market and limited carrier competition. Most drivers pay $180–$280/mo for state minimums. Aggravated DUI (BAC over 0.15, minor in vehicle, injury, or refusal) pushes rates to $240–$350/mo.

What Affects Your Rate

  • First-offense standard DUI adds 80–120% to baseline rates in Hawaii; aggravated DUI adds 120–180%.
  • Repeat-offense DUI or refusal conviction moves you into assigned-risk territory — expect $350–$500/mo even for minimums.
  • Island-specific rates vary: Oahu averages $200–$300/mo, Big Island and Maui run $180–$260/mo, Kauai slightly lower at $170–$250/mo.
  • 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.
  • Ignition Interlock Device (IID) installation adds $75–$125/mo to your total cost but may qualify you for restricted driving privileges during suspension.
  • Time since conviction matters — rates drop 20–30% at the two-year mark if you maintain continuous coverage and avoid new violations.
Minimum Coverage
$180–$280/mo
Hawaii's 20/40/10 liability minimums plus $10,000 PIP and SR-22 filing. This tier meets reinstatement requirements but leaves you underinsured in most accident scenarios.
Standard Coverage
$240–$360/mo
Raised to 50/100/25 liability and $25,000 PIP. Adds uninsured motorist coverage to protect against Hawaii's 10–12% uninsured driver rate — higher in rural areas.
Full Coverage
$320–$480/mo
Includes collision and comprehensive on financed vehicles. Required by lenders. Full coverage after DUI conviction is expensive but unavoidable if you carry a loan or lease.

Get SR-22 insurance quotes — most carriers file the same day

Compare rates from carriers that write SR-22 policies in your state. Coverage can start today.

Get Your Free Quote
✓ Same-Day SR-22 Filing✓ No Obligation✓ Licensed Carriers✓ All Violation Types

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.

Find Your City in Hawaii

Honolulu, Hawaii cityscape and street view

Honolulu

urban
City skyline reflected in water at sunset with golden light and purple-orange sky

Pearl City

suburban
Sunset on tropical beach with pebbles, tree silhouette, and golden light reflecting on wet sand

Hilo

urban
Aerial view of tropical coastal town with bay, green hills, and blue ocean under cloudy sky

Kailua

suburban
Aerial view of lush green coastal cliffs and volcanic ridges meeting the ocean under blue sky

Waipahu

suburban

Frequently Asked Questions

Get Your Free Quote in Hawaii