Hawaii Auto Insurance for Suspended Licenses
Hawaii requires 40/80/20 liability coverage and is a no-fault state.
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Hawaii 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
State Requirements
Hawaii operates as a no-fault state, requiring all drivers to carry Personal Injury Protection (PIP) in addition to liability coverage. The state mandates proof of insurance at registration and during traffic stops, with electronic verification through the Motor Vehicle Insurance Verification System. Hawaii does not require SR-22 for all suspensions — it depends on the violation type, with DUI and multiple moving violations typically triggering the SR-22 filing requirement.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
SR-22 Certificate of Financial Responsibility
Non-Owner SR-22 Policy
Cost Overview
$217–$383/mo
Typical monthly rate in Hawaii, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Line Up Coverage Before Your License Comes Back
Get Back on the RoadIf 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
Does Hawaii require SR-22 for all license suspensions?
No — Hawaii requires SR-22 filing only for specific violations including DUI, reckless driving, at-fault accidents without insurance, accumulating too many points, or driving without a valid license. Administrative suspensions for unpaid tickets, child support arrears, or failure to appear typically do not require SR-22, though you must still maintain continuous insurance coverage to reinstate. Contact the Hawaii Department of Motor Vehicles to confirm your specific reinstatement requirements.
Can I get a hardship license during my suspension in Hawaii?
Hawaii does not offer a formal hardship or restricted license program like many mainland states. Once your license is suspended, you cannot legally drive until you complete the full suspension period, pay reinstatement fees, and file proof of insurance (and SR-22 if required). Some drivers with work-related hardships petition the court for early reinstatement review, but this is granted rarely and only under exceptional circumstances.
How long do I need to maintain SR-22 in Hawaii?
Hawaii typically requires three years of continuous SR-22 filing from the date of reinstatement for DUI and major violations. Any lapse in coverage during this period — even one day — triggers automatic license re-suspension and restarts the entire three-year SR-22 requirement. Your insurer notifies the DMV immediately if your policy cancels or lapses.
Coverage Types
SR-22 Insurance
Electronic certificate your insurer files with the state proving you maintain continuous coverage. Required for DUI, reckless driving, and multiple moving violations in Hawaii — not required for administrative suspensions like unpaid tickets or child support arrears.
Non-Owner SR-22
Liability and PIP coverage for drivers who don't own a vehicle but need insurance to satisfy reinstatement requirements. Covers you when driving borrowed or rental vehicles.
Liability Insurance
Covers bodily injury and property damage you cause to others. Hawaii's 20/40/10 minimum is the legal floor but may not cover the full cost of a serious accident.
Personal Injury Protection (PIP)
No-fault coverage that pays your medical bills and lost wages up to the policy limit regardless of who caused the accident. Required in Hawaii with a $10,000 minimum.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Optional in Hawaii but highly recommended given the state's uninsured driver rate.
Non-Standard Auto Insurance
Coverage for high-risk drivers who cannot obtain policies from standard insurers due to suspensions, DUI convictions, or multiple violations. Offers state-minimum coverage at elevated rates.