SR-22s in Hawaii: What You Need to Know
Hawaii will require SR-22 insurance for at least 3 years after a driver is convicted of a serious driving offense, or had their license suspended.
Written by Tom Hindle
Reviewed by Kathleen Flear
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High-risk drivers must obtain a mandatory SR-22 certificate in Hawaii after a serious driving violation or conviction. Drivers are required to carry an SR-22 for at least three years.
An SR-22 serves as proof from your insurer that you have the minimum liability coverage necessary to have your license reinstated and stay on the road.
From
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comparison shopping app, here's everything you need to know about how SR-22s in Hawaii: What is an SR-22 in Hawaii?
In Hawaii, an SR-22 form is submitted to the state by an insurer on behalf of a high-risk driver who has had their license
suspended or revoked
. This form acts as proof of insurance, guaranteeing that the driver has the minimum liability coverage in order to stay on the road.Hawaii usually requires drivers to have SR-22 insurance for 3 years following a conviction.
SR-22s are typically required after a serious moving violation, including but not limited to:
- Driving without insurance
- Reckless driving
- Refusing a breathalyzer
- Repeated traffic violations
- At-fault accident causing injuries or death
If you're convicted of one of those violations, you’ll need your insurer to guarantee minimum liability coverage. In Hawaii the requirements are:
- Minimum bodily injury liability of $40,000 per accident
Keep in mind, though, that these are
Hawaii's minimum requirements
, and more coverage is recommended to stay protected in an accident.Key Takeaway You’ll need an SR-22 for 3 years after having your license revoked or suspended in Hawaii.
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Who needs an SR-22 in Hawaii?
Drivers who have committed serious moving violations need to get an SR-22 in Hawaii. That usually means DUIs, DWIs, or reckless driving.
You might also need one if you simply pick up too many demerit points on your license.
MORE:
How do you get an SR-22 in Hawaii?
You’ll receive a court order to get an SR-22 before you can get back on the road.
Once you've received official notice, tell your insurance provider that your license has been suspended. From there, your insurer will likely file all the necessary documentation, including an SR-22 form, to get you back on the road.
However, there are a few technicalities to keep in mind. You’ll be expected to pay any fines or legal fees outstanding from your conviction. There might also be some license reinstatement charges.
Key Takeaway Your insurance provider will file an SR-22 for you in Hawaii, but you might have to shop around for a new provider.
How much does an SR-22 cost in Hawaii?
Filing an SR-22 itself is relatively inexpensive—your insurance company handles most of the paperwork, and it’ll only cost you between $15-25.
But the costs don’t end there. Some states charge pricey driver’s license reinstatement fees. Furthermore, there will likely be fines or legal fees from your conviction.
Your insurance could also change drastically. Average yearly costs for SR-22 holders are generally far higher than for those with cleaner driving records. Finally, you can expect to lose any good driver discounts or safe driving merits.
How does an SR-22 impact your insurance in Hawaii?
A conviction of a moving violation is one of the worst things that can happen to your insurance costs. Add a criminal charge to a normal traffic issue, and you could be looking at
a significant price increase.
The exact figure is difficult to determine and depends on both the severity of the incident and the strength of your driving record beforehand.
It’s possible that you may have to purchase a new insurance package altogether. Some companies simply don’t offer SR-22s, especially if you’re considered a major risk.
There is some good news, though! If you follow the rules and maintain a
clean driving record
for three years, your SR-22 insurance will be lifted and you will be allowed to drive relatively normally. This should bring your premiums closer to standard pre-SR-22 levels. RECOMMENDED
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How to find cheap car insurance
SR-22s aren’t great for your driving record. But they’re not the end of the world. You can still find a good car insurance policy at a price that suits you. To find the best deal, try the
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