Cheap SR-22 Insurance in Hawaii From $73

If you’re convicted of a major traffic violation in Hawaii, you may have to ask your auto insurance company to file form SR-22 (certificate of financial responsibility) with the state.^[1] This form proves that you meet your state’s minimum insurance requirements so that you can get a temporary permit to drive until you’re eligible for a new license.

An SR-22 certificate carries plenty of considerations besides a heftier policy premium. Here’s what you need to know about SR-22 insurance.

Cheapest companies for SR-22 insurance in Hawaii

If you’ll be driving until you’re eligible to apply for a new license with the state, you’ll need to get coverage from a company that can submit an SR-22 certificate to the state authorities.^[2]

Below, you can see the average car insurance premiums for SR-22 policies in Hawaii from different insurers that can help you meet these requirements.

Insurance Company	Liability Only	Full Coverage
State Farm	$51	$71
Allstate	$55	$77
Midvale Home & Auto	$86	$166

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

What is SR-22 insurance in Hawaii?

SR-22 insurance isn’t actually standard auto insurance. It’s a certificate that proves you have the minimum liability insurance requirements to drive legally.^[3] It works exactly the same as any other policy, whether you’re paying for minimum coverage or full coverage. The only difference is that when you have an SR-22 policy, your insurance agent will file an SR-22 certificate with the state of Hawaii as a form of proof of insurance.

Not all insurance companies will file SR-22s, and if your current insurer doesn’t, you’ll need to find a new insurer that will. Companies typically charge a small fee (around $25) for this service, but the biggest effects you’ll see are in the base premium for the policy itself.

If you’re a high-risk driver, your insurance premiums will increase because of the violation that led to the SR-22 requirement.

Difference between SR-22 and FR-44

Two states — Florida and Virginia — also use a form FR-44 for some traffic violations. FR-44s are similar to SR-22s. But FR-44s require drivers to prove they’re carrying coverage that exceeds minimum-coverage requirements.

You may need to file these forms instead if you’re convicted of a major driving offense in these states. If you don’t live there, you don’t have to worry about FR-44 insurance.

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When you need SR-22 insurance

Hawaii law requires that drivers convicted of serious traffic violations, like reckless driving or DUIs, have their license revoked entirely rather than just suspending their license like in other states. In order to drive again, state regulations require you to meet certain conditions for a temporary permit until you’re eligible for a new license.

If you’re convicted of a drug-related offense, you may need to get an ignition interlock device installed in your car. You’ll also need to have your insurer submit an SR-22 document to the state showing proof that you have the minimum amount of car insurance coverage. You can then apply for an ignition interlock permit (IIP) to continue driving.

If you’re OK with giving up your driving privileges until your license revocation period ends, you don’t need to worry about buying this coverage since you won’t have any need for SR-22 insurance. But you can’t drive during this time, and you may pay higher rates when you get your license back because companies will be able to see a clear insurance policy lapse.

How to get SR-22 insurance in Hawaii

Many insurance companies offer car insurance coverage for drivers needing to file an SR-22. Here’s how to find an SR-22 policy:

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  1. Check your budget

  SR-22 coverage typically costs more. If you know what you can afford to pay before you start shopping, you can find the best policy a lot faster.

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  2. Get insurance quotes

  Use a price-comparison platform to get free quotes on auto insurance. It only takes a few minutes to get multiple offers.

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  3. Consider your options

  Compare each auto insurance quote with the coverage options it provides and your budget. You may be able to save money by getting a non-owner policy if you’re sharing a car with someone else or forgoing driving entirely until later.

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  4. Purchase a policy

  Choose the insurance agency offering the lowest rates for your needs. The process of buying a policy is easy, and you can generally do it entirely online. Make sure your insurer knows you’ll need it to file an SR-22.

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  5. Confirm SR-22 filing

  An SR-22 requirement is serious, so you’ll want to verify with your insurer or the state that they actually received it. Keep your insurer up to date on any changes to your ZIP code or other information to prevent any filing snags while you wait out the designated amount of time until you no longer need an SR-22.

How long Hawaii requires SR-22 insurance

Hawaii will generally require you to carry SR-22 insurance for at least three years until you’re able to apply for a brand-new driver’s license. This can sometimes be different, depending on your exact violation type. When you’re arrested, the police officer confiscating your license will give you a notification detailing when you can get a new license.

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How SR-22 insurance affects driving record and future rates in Hawaii

The violations that led to you needing SR-22 coverage stay on your driving record for life, although the state of Hawaii will add a note that you’re eligible for a license again once you’ve passed your license revocation period. Your auto insurance rates should decrease once this revocation period is over, but this isn’t a guarantee.

Fortunately, you can still use many of these tried-and-true techniques to save money:

• Ask about discounts. Most companies offer several car insurance discounts that can lower your costs significantly. Check with your insurer to make sure you’re getting the best deal.

• Take defensive driver training. Insurers frequently offer a discount if you take a defensive driver training course. It’ll also help reinforce skills you need to avoid future car accidents and motorist mishaps.

• Reduce your coverage amounts. You’ll usually need to buy full-coverage insurance if you’re paying off or leasing your car. But if you’ve got a paid-off vehicle, you can save a lot of money by lowering coverage on your car to the minimum required if you’re OK accepting more financial responsibility in case you suffer damage in an accident and need to file a claim.

Hawaii SR-22 insurance FAQs