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Hawaii SR-22 & Points Violation Auto Insurance

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

SR-22 filing is typically required after DUI convictions, uninsured accidents causing injury or significant property damage, repeated serious violations, or license suspensions for driving-related offenses. Most drivers with points from speeding tickets or single at-fault accidents do not need SR-22 unless the violation resulted in suspension. Hawaii's point system assigns values to each violation, with license suspension typically triggered at 12 points in 12 months or specific serious offenses.

Liability Insurance

Drivers with points violations or at-fault accidents should consider higher limits like 100/300/100, as subsequent claims increase personal liability exposure. Many non-standard carriers require higher-than-minimum limits to write policies for drivers with violations.

Full Coverage

Full coverage combines liability, collision, and comprehensive protection — essential if you have a loan or lease, or if your vehicle value exceeds what you could replace out-of-pocket. After an at-fault accident, collision coverage becomes more expensive but remains the only way to repair your own vehicle in future incidents.

Uninsured Motorist Coverage

Hawaii requires 20/40 uninsured motorist bodily injury coverage to protect you when hit by a driver with no insurance or insufficient limits. This coverage is particularly important for drivers with points violations, as you cannot control other drivers' insurance status and a second accident without UM coverage leaves you financially exposed. Many insurers offer higher UM limits that match your liability limits for minimal additional cost.

SR-22 Insurance

SR-22 is not a type of insurance but a certificate your insurer files with the state to prove you carry at least minimum liability coverage. Any lapse in coverage during the requirement period triggers license re-suspension and restarts the 3-year clock.

Non-Standard Auto Insurance

Non-standard or high-risk carriers specialize in writing policies for drivers with points, violations, accidents, or SR-22 requirements when standard insurers decline or quote prohibitively high rates. These carriers assess risk differently and often offer more competitive pricing for drivers with recent violations, though rates remain elevated compared to clean-record premiums. Shopping multiple non-standard carriers is the highest-leverage action for rate reduction after a violation.

What Drivers Pay in Hawaii

$180–$289/mo

Typical monthly rate in Hawaii, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Time since violation — rates drop significantly after 3 years when points fall off in Hawaii
  • Number of incidents — multiple violations in 3 years compound rate increases exponentially
  • Current points total — approaching the 12-point suspension threshold signals higher risk to insurers
  • Carrier tolerance — non-standard carriers assess violations differently than standard insurers
  • Coverage level selected — collision and comprehensive premiums rise sharply after at-fault accidents
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Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. Hawaii's 20/40/10 minimum is often insufficient after a serious accident — medical bills from a single injured person can exceed $20,000.

Full Coverage

Combines liability, collision, and comprehensive for complete protection. Essential if you have a loan, lease, or cannot replace your vehicle out-of-pocket.

SR-22 Insurance

A certificate proving you carry minimum liability coverage, filed by your insurer with the state. Required after DUI, uninsured accidents, or suspensions.

Non-Standard Auto Insurance

Coverage from carriers specializing in high-risk drivers — those with violations, accidents, lapses, or SR-22 requirements that standard insurers decline or price prohibitively.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient limits. Hawaii requires 20/40 minimum UM bodily injury coverage.

Collision Coverage

Repairs your vehicle after an accident you cause, regardless of fault. Required by lenders but optional if you own your car outright.

Find Your City in Hawaii

Honolulu

urban

Pearl City

suburban

Hilo

urban

Kailua

suburban

Waipahu

suburban