Car Insurance with an SR-22 in Hawaii

The Zebra
Nov. 16, 2018

If you need an SR-22 for auto insurance in Hawaii, you aren't the only one. This relatively standard requirement is often needed after a violation such as a DUI/DWI, a citation for driving without insurance, an at-fault collision, a citation for driving with a suspended license, or piling up too many points on your license.

Finding cheap auto insurance with an SR-22 certificate in Hawaii might require some effort, but it's worth the trouble. We explored how much a Hawaii SR-22 typically costs and how to get one — let's look at the details.

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How much does an SR-22 cost in Hawaii?

SR-22 insurance in Hawaii is often expensive. This isn't because obtaining the SR-22 certificate is expensive — filing fees usually total $15 to $35 — but a product of the insurance rate increases caused by the violation that necessitated the SR-22.

Auto insurance companies charge high-risk drivers more expensive rates to account for the increased probability of claims payouts. The price increase you’ll face will depend on the number and severity of the violations — below are average auto insurance premiums after an SR-22 in Hawaii.

Rating factorAverage annual rateIncrease vs. no citations
No citations$1,079.04
At-fault accident (>$2,000)$1,660.00$580.96
Speeding (21-25 mph > limit)$1,188.64$109.60
Reckless driving$5,371.06$4,292.02
Hit and run$4,554.41$3,475.37

If you'd like to find cheap auto insurance coverage with an SR-22, we are ready to help. Enter your ZIP code below to find personalized car insurance rates from leading companies.

How to get an SR-22 in Hawaii

Currently insured?

If you currently have auto insurance, obtaining an SR-22 certificate should be easy. Call up your car insurance company and ask it to file an SR-22 request on your behalf. If your current car insurance company won't file for an SR-22, you should shop for a new insurance company.

If you don't have insurance:

When filing for car insurance, you might need to pay extra to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 may disqualify you from being insured by some carriers, while others would be happy to cover you.

For non-owners:

Not owning a vehicle makes it more difficult to get an SR-22, as you'll need proof of insurance to obtain the document. If you don't own a vehicle, you should apply for a non-owners car insurance policy before requesting a certificate. Non-owners car insurance is often less expensive than standard coverage since it doesn't insure against physical damage to your vehicle.


Between September and December 2017, The Zebra conducted auto insurance rate analysis using our proprietary quote engine, incorporating data from rating systems and public rate filings. The Zebra analyzed almost 53 million premiums to examine trends related to 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 how they impact car insurance rates.