Non-Owner SR-22 Suspended
Get a Quote

Non-Owner SR-22 Insurance in Hawaii

Hawaii requires 20/40/10 minimum liability coverage with SR-22 filing for license reinstatement after suspension. Non-owner SR-22 policies cost approximately $35–$65/month in Hawaii — 40-50% less than owner policies — and satisfy state filing requirements without a vehicle attached.

Compare Hawaii Auto Insurance

Non-Standard Auto · SR-22 · Senior · Teen Drivers

State Specific — insurance-related stock photo
Quotes from state-licensed insurance professionals
Licensed Agents Only
Free to request, no commitment required
No Obligation
No cost to you
Free to Use
Your contact information is protected
TCPA-Compliant

Updated May 2026

Minimum Coverage Requirements in Hawaii

Hawaii operates under a tort-based liability system requiring all drivers to maintain continuous proof of insurance. The state mandates minimum liability coverage of $20,000 per person for bodily injury, $40,000 per accident for bodily injury, and $10,000 for property damage. Drivers suspended for uninsured operation, DUI, or multiple violations must file Form SR-22 through a licensed carrier to satisfy reinstatement requirements set by the Hawaii Department of Transportation.

How Much Does Car Insurance Cost in Hawaii?

Non-owner SR-22 premiums in Hawaii average $35–$65 per month, significantly lower than owner SR-22 policies because no vehicle is insured for collision or comprehensive damage. Rates vary by violation type, filing duration, and carrier risk appetite — DUI filings cost 30-50% more than uninsured operation filings.

Minimum Coverage
State minimum 20/40/10 liability with SR-22 filing. No uninsured motorist coverage. Lowest-cost option for satisfying reinstatement requirements only.
Standard Coverage
Increased liability limits to 50/100/25 with uninsured motorist coverage added. Recommended for drivers who borrow vehicles regularly.
Enhanced Coverage
Higher liability limits at 100/300/50 with full uninsured/underinsured motorist coverage. Appropriate for drivers with assets to protect or frequent mainland travel.

What Affects Your Rate

  • Violation type drives base premium — DUI SR-22 filings cost $60–$85/month compared to $35–$50/month for uninsured operation filings.
  • Filing duration set by the Hawaii Department of Transportation ranges from 12 months for first-time uninsured violations to 36 months for DUI offenses.
  • Carrier availability is limited — only 6-8 non-standard carriers actively write non-owner SR-22 policies in Hawaii, creating less competitive pricing than owner markets.
  • Age and claims history affect premiums independent of SR-22 status — drivers under 25 pay 20-35% more even on non-owner policies.
  • Island residency affects rates slightly — Oahu-based drivers pay marginally higher premiums than outer island residents due to traffic density and claim frequency.

Get insured and start your reinstatement process today

Compare carriers that file SR-22 in your state and work with suspended license drivers.

Get Your Free Quote
✓ SR-22 Filing Included✓ No Obligation✓ Licensed Carriers✓ Reinstatement Support

Coverage Types

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 Department of Transportation — SR-22 filing requirements and reinstatement procedures
  • Hawaii Revised Statutes Chapter 431:10C — Motor Vehicle Insurance Law minimum coverage standards
  • National Association of Insurance Commissioners — Auto Insurance Database Report

Frequently Asked Questions

Get Your Free Quote in Hawaii