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Hawaii Non Owner SR22 Insurance

Island drivers who don't own a car can still get SR22 insurance filed with the Department of Motor Vehicles. The SR22 is simply a form attached to an auto insurance policy which confirms that the driver has maintained the required auto insurance. This means all drivers who don't own a vehicle are eligible to get non-owner SR22 insurance in Hawaii but it makes sense to compare rates of multiple companies.

Once you decide on the auto insurance company then complete the policy and have them submit the SR22 filing with the Hawaii DMV. The filing fee is generally $25 to add the SR22 but check with each company you compare to see if the fee is higher. Once you receive proof of insurance you can get your license reinstated assuming all other requirements have been met.

Hawaii SR22 Insurance Requirements

Minimum level of coverage in Hawaii is determined by the DMV and legislation but all you need to know is that you have met the requirements of your financial responsibility filing. The SR22 must stay in force and have the acceptable liability coverage defined by the Hawaii Department of Motor Vehicles.

Bodily Injury Per Person Bodily Injury Per Occurrence Property Damage
$20,000 $40,000 $10,000

If you decide to change auto insurance companies that is fine but make sure there is no lapse in coverage or your license could be suspended again. The key is to get the new policy started and in force then cancel the old policy for the same day. The old insurance company will notify the state of the cancellation but the new company will notify them of a valid SR22 policy.

How much is non-owner SR22 insurance in Hawaii?

With a somewhat limited number of insurance companies that operate in Hawaii shopping around for insurance is more important than ever. Each auto insurance company will use different bits of information to determine the premium to charge. Having said this it is our goal and focus to offer a comprehensive online sr22 insurance comparison system. By working with trusted insurance carriers in Hawaii we can show who offers SR-22 policies and allow you to compare online.

Compare SR22 Insurance Rates:  

After selecting your zip code above or just using the state drop down list here you will be presented with multiple companies that can quote non-owner SR22 insurance. Compare at least 2 companies then make your decision as to which company you think is best.

SR22 Insurance FAQs

Can I get SR22 Insurance without a vehicle?

Yes, in fact this can often be the most cost effective way to get SR-22 insurance. If you don't own a vehicle you can ask for a non owner auto insurance policy which is explained below. 

What is an SR22 filing?

SR22 Auto Insurance is simply proof of liability insurance for the state. This certificate proves that the driver carries liability insurance that meets the state minimum requirement. The SR-22 form is submitted to the state from the insurance company and they will notify if the policy is cancelled.

How long do I need an SR22?

Many states require you to carry an SR22 from 3 to 5 years depending the type of violation. If you cancel the SR22 during the probation period you will need to start over.

What is a non-owner auto insurance policy?

If you don't own a vehicle and still need to carry liability insurance you can start a non-owner policy. Many drivers who need to file an SR22 form don't have a vehicle so they would need a non-owner SR22 insurance policy. This policy allows you to drive any car with at least state minimum liability limits.