Car Insurance with an SR-22 in Hawaii

If you need an SR-22 to get car insurance in Hawaii, you aren't alone. This relatively common legal requirement is triggered by a driving citation like a DUI, a citation for driving without proof of insurance, an at-fault accident with substantial property damage, driving with a suspended license, or amassing too many license points.

Getting cheap auto insurance with a SR-22 in Hawaii might require some research, but it could pay off in the end. We analyzed how much money a SR-22 typically costs in Hawaii and how to request one — let's take a look.

How much does an SR-22 cost in Hawaii?

Insurance with an SR-22 in Hawaii is usually expensive. This isn't because obtaining the SR-22 certificate is expensive — filing fees might be just $15 to $35 — but a product of the insurance rate increases caused by the violation that prompted the SR-22 requirement in the first place.

Auto insurance companies charge high-risk motorists higher rates on account of the increased risk of a claim payout. The rate increase you could receive may depend on the frequency and severity of violations — below are typical auto insurance rates for drivers with SR-22s in Hawaii.

High-risk rating factorAverage yearly rateIncrease vs. no violations
No citations$1,045
At-fault collision (>$2,000)$1,369$324
Speeding (21-25 mph > limit)$2,033$988
Reckless driving$3,229$2,184

If you need reasonably priced auto insurance with a SR-22, The Zebra is here to help. Enter your location below to get personalized auto insurance quotes from leading companies.

How to easily get an SR-22 in Hawaii

For currently insured drivers

If you have an active car insurance policy, getting an SR-22 is easy. Just call your insurance company ask the company to file a SR-22 request on your behalf. If your current car insurance company isn’t willing to file an SR-22 request, you’ll need to shop for a new policy with a new insurance company.

For uninsured drivers

When applying for car insurance, you might face an additional fee for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. Needing an SR-22 certification may disqualify you from being insured by some carriers, while others would be happy to sell you a policy.

For non-vehicle owners

Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

For drivers without a vehicle

Not owning a vehicle makes it harder to obtain an SR-22, as you will need to show proof of insurance to receive the certificate. If this is the case, you should apply for a non-owners auto insurance policy before asking for an SR-22. Non-owners car insurance is typically less expensive than a traditional policy since it won’t provide protection for physical damage to your vehicle.


we conducted in-depth pricing analysis through our proprietary quote engine, comprising data from rating systems and public rate filings. The Zebra assessed nearly 53 million premiums to identify trends for specific auto insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and their impact on auto insurance rates.

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance