SR-22s in Hawaii: What You Need to Know

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  • What is it?
  • Who needs one?
  • How to get one
  • Cost
  • Impact on insurance
  • Cheap car insurance
In Hawaii, SR-22 insurance is required for a minimum of three years after drivers commit a serious traffic violation.
If you are convicted of a significant moving violation, such as a DUI or reckless driving, you might have your license suspended or revoked.
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.
Filing an SR-22 in Hawaii may sound like a hassle—it’s not. Working with your insurance provider, and using the help of car insurance and broker app Jerry, you could be back on the road and driving safely in no time!
So, read on to find out exactly how SR-22s work in Hawaii.

What is an SR-22 in Hawaii?

In Hawaii, an SR-22 insurance 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
  • DUI or DWI conviction
  • 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 Coverage of $20,000 per person
  • Minimum Bodily Injury Liability Coverage of $40,000 per accident
  • Minimum Property Damage Liability Coverage of $10,000
Keep in mind, though, that these are minimum requirements, and you might want to see if you can get more coverage.
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.

How do you get an SR-22 in Hawaii?

You’ll usually 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 provider that your license has been suspended. Your insurer will usually take it from there, filing 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.
You should also be aware that some insurers won’t cover high-risk drivers. Sometimes your driving record is already too poor, or you’re deemed too dangerous to insure.
Either way, your best bet is to shop around using Jerry and see what kind of deal you might be able to get!
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 you may have earned.
The bottom line, then, is that SR-22s are an expensive endeavor.

How does an SR-22 impact your insurance in Hawaii?

The more issues there are on your license, the more likely insurers will consider you a high-risk driver.
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. Should that happen, get a quote from Jerry.
There is some good news, though! If you follow the rules and maintain an excellent 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.
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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 package at a price that suits you. To find the best deal, try Jerry.
Jerry is your ultra-talented car insurance broker for life. No need to sit across from him at a desk—Jerry is an app! It takes less than a minute to sign up and you’ll be presented with competitive rates from up to 50 top providers. Don’t lose coverage, find savings with Jerry.
“I am enthralled. I usually hate searching for car insurance quotes because it means a ton of phone calls. With Jerry, everything just lined up. I even was able to text with an agent instead of talking on the phone. The best part is that Jerry will automatically shop when it’s time for new insurance. Using Jerry felt a lot like texting a smart friend who knows a lot about car insurance. I say give it a try.”— Jerry user.
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