Hawaii requires persons convicted of certain offenses involving vehicles (e.g., reckless driving, DUI) to file and maintain proof of future financial responsibility. This is usually accomplished with the filing of an SR22 insurance form.
An insurance company provides an SR22 form once a driver has purchased an SR22 insurance policy. If you have an SR22 requirement and you do not own a vehicle, you will need to purchase non-owner SR22 insurance.
A non-owner SR22 insurance policy is a liability only policy. It only covers other vehicles and their drivers. If you are involved in an accident, this policy will not cover you or the vehicle you are driving.
Hawaii requires every DUI offender to install an ignition interlock device in his or her vehicle(s). This causes a problem for those trying to purchase non-owner SR22 insurance.
If you have an ignition interlock requirement, you will need to own a vehicle in order to fulfill it, so you will not be able to purchase non-owner SR22 insurance.
Those with an SR22 requirement will need to maintain SR22 insurance for a period of 3 years from the date of their conviction or suspension/revocation. If an SR22 policy is allowed to lapse, the insured person's driverâ€™s license will be suspended, so it is very important to try and find the best SR22 rate that you can.
Remember that your non-owner SR22 policy must be provided by a carrier duly authorized to do business in the State of Hawaii. You can find those by entering your Hawaii zip code here and completing the simple quote form:
For More Information:
If you have questions about non-owner SR22 insurance in Hawaii that this page did not answer, you can call the Hawaii Motor Vehicle Safety Office at 808-692-7650.
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