Hawaii SR-22 Insurance
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UPDATED: Nov 2, 2020
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What is Hawaii SR-22 Insurance?
The Hawaii SR-22 car insurance is a form that insurance companies issue to prove to a state that an individual has proper insurance. It is the way that the state monitors insurance for a driver who has had problems with their driver’s license, such as DUI, habitually lacking insurance, or multiple tickets in a short period of time.
Six major factors affect car insurance rates in Hawaii. Which auto insurance factors will affect SR-22 rates the most? Typically that’s a HI DUI. Some states have banned discrimination based on your credit score when it comes to auto insurance rates, and this is one of those States.
Who needs SR-22 Insurance in Hawaii?
In Hawaii, an SR-22 is required when a driver has been in an accident while uninsured and has not paid for damages, when they have been charged with driving under the influence, DUI, when a license has been suspended due to an accumulation of moving violations, or in cases of mandatory insurance supervisions.
Are There Different Types of Hawaii SR-22 Forms?
There are three different types of Hawaii SR-22 car insurance. Operator’s certificate covers financial responsibility if the motorist does not have a vehicle, Owner’s certificate is for the motorist’s vehicle, and Operator-Owner’s covers both the motorist’s vehicle and other vehicles if not insured.
Is SR-22 Car Insurance Required in Hawaii?
SR-22 is required in the state of Hawaii to monitor the insurance of problem drivers. The minimum coverage is $20,000 for one person killed or injured, $40,000 for two or more people killed or injured, $10,000 for property damage, and $10,000 for personal injury protection.
How Do I File a Hawaii SR-22 Insurance Form?
Contact an insurance agency that is authorized to issue SR-22 insurance or compare HI SR-22 auto insurance quotes here by entering your zip code. Once you have paid the processing fee, which varies by agency, they will send the SR-22 to the Secretary of State in Hawaii. The Secretary of State will send the driver a letter along with the Hawaii SR-22 auto insurance form to be kept with them at all times when driving. The Hawaii SR-22 car insurance must be maintained for a period of 36 months.