Hawaii Auto Insurance After Uninsured Suspension
Hawaii requires 40/80/20 liability coverage and is a no-fault state.
Get My Reinstatement SR-22 QuoteHawaii 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
Hawaii operates under a no-fault system, meaning your own Personal Injury Protection (PIP) coverage pays medical bills regardless of who caused the accident. The state requires all drivers to carry proof of financial responsibility — proof of insurance or an approved financial security deposit. Drivers suspended for lapsing coverage or driving uninsured must file SR-22 proof with the Hawaii Department of Transportation before reinstatement.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
SR-22 Insurance
Non-Owner SR-22
What Drivers Pay in Hawaii
$217–$383/mo
Typical monthly rate in Hawaii, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Fix the Lapse That Cost You Your License
Get My Reinstatement SR-22 QuoteIf your license is suspended
Ignition Interlock Permit (IIP); Employee Driver Permit variant
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 filing in Hawaii after an uninsured suspension?
Hawaii typically requires SR-22 filing for 3 years from your reinstatement date after an uninsured suspension. The clock starts when your license is reinstated, not when you were suspended. If your policy lapses at any point during the 3-year period, the SR-22 requirement resets to zero and you must serve the full 3 years again from the new reinstatement date.
Does Hawaii require SR-22 for driving without insurance?
Yes. Hawaii requires SR-22 filing for drivers caught driving without insurance, those whose policy lapsed and was detected by the state, and those involved in an accident while uninsured. The filing requirement typically lasts 3 years and begins only after you reinstate your license and satisfy any court fines or DMV fees.
Coverage Types
SR-22 Insurance After Uninsured Suspension
Proof-of-insurance certificate filed electronically by your carrier to the Hawaii DOT for drivers reinstating after uninsured suspension. Required for 3 years from reinstatement date in most cases.
Non-Owner SR-22
Liability-only policy for drivers who don't own a vehicle but need SR-22 filing to reinstate their license. Covers you when driving borrowed or rented vehicles.
Liability Insurance
Covers bodily injury and property damage you cause to others. Hawaii's 20/40/10 minimum is the legal floor but often insufficient for serious accidents.
Uninsured Motorist Coverage
Covers your injuries and vehicle damage when hit by a driver with no insurance or insufficient coverage. Not required in Hawaii but strongly recommended.
Personal Injury Protection (PIP)
Mandatory no-fault coverage for medical expenses, lost wages, and funeral costs. Pays regardless of who caused the accident.
High-Risk Auto Insurance
Policies designed for drivers with suspensions, violations, or lapse history. Typically issued by non-standard carriers willing to accept higher-risk profiles.