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Hawaii SR-22 & Points Violation Auto Insurance

Hawaii requires SR-22 filing for DUI convictions, uninsured accidents, and serious license suspensions — typically for 3 years. Most point violations from speeding tickets or at-fault accidents don't trigger SR-22 requirements, but rates typically increase 20–40% after a single violation, with costs ranging from $180–$320/mo depending on your record.

Hawaii cityscape and street view

Updated April 2026

Minimum Coverage Requirements in Hawaii

Hawaii requires minimum liability coverage of 20/40/10 — $20,000 bodily injury per person, $40,000 per accident, and $10,000 property damage. 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.

How Much Does Car Insurance Cost in Hawaii?

Insurance rates in Hawaii after a points violation depend on violation type, your prior record, and which carrier writes you. A single speeding ticket typically raises rates 15–25%, while an at-fault accident adds 30–50% and a DUI can double or triple your premium. Shopping carriers after a violation is critical — rate differences between insurers for the same violation profile can exceed $100/mo.

Minimum Liability
Hawaii's 20/40/10 minimum for drivers with one minor violation or a single at-fault accident. Rates vary widely based on points, violation type, and how recently the incident occurred.
Standard Coverage
Higher liability limits (50/100/50 or 100/300/100) plus comprehensive coverage for drivers with points violations or accidents. Recommended for most drivers to avoid personal liability exposure in future claims.
Full Coverage
Liability, collision, comprehensive, and uninsured motorist coverage for drivers with violations who have financed vehicles or want maximum protection. Collision coverage after an at-fault accident is expensive but necessary to repair your vehicle in future incidents.

What Affects Your Rate

  • Type of violation — DUI adds 80–150%, at-fault accident adds 30–50%, speeding ticket adds 15–25%
  • 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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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

Sources

  • Hawaii Revised Statutes Title 17 - Motor and Other Vehicles
  • Hawaii Department of Commerce and Consumer Affairs - Insurance Division
  • Hawaii Administrative Rules Title 16 - Department of Transportation

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