How to Obtain SR22 Insurance in Hawaii

Drivers who have had their license suspended often find it difficult to obtain affordable insurance coverage once their license is reinstated. If your license has been suspended due to a DUI or DWI, you will find yourself playing by a whole new set of rules when looking for insurance coverage. In Hawaii, you are required to obtain SR22 insurance before your license is reinstated and new insurance policies are enacted.

Difficulty: Moderately Easy

Instructions

1. Find out if you're eligible. Depending on the sentencing you received when arrested for DUI or DWI, you may not be allowed to get your license for quite some time. However, some suspensions are short, and if you must drive to work, you may be granted a restricted license that will still require SR22 insurance coverage.

2. Find a licensed SR22 insurance agent or broker. Hawaiian law states that only agents and brokers licensed in the state of Hawaii may issue SR22 insurance. Do some shopping around through the internet or phone and find an agent who can help you with all necessary documentation and give you an affordable rate (see Resources below).

3. Fill out the appropriate forms. In most cases the agent will need to send this form to the Department of Motor Vehicles (DMV) themselves on your behalf. However, you may also elect to deliver the form in person if you want to have it filed immediately without waiting for the possible delays in mail service.

4. File the necessary paperwork to have your license reinstated. If you are filing for a restricted license (for going back and forth to work or school) then you should be able to immediately be approved for this limited license. Be sure to only travel when you are allowed, according to the restrictions. There are steep penalties for additional violations.

5. Keep your coverage current. Once your SR22 has been filed and your license reinstated, you must keep your insurance coverage current without a lapse for at least three years. If you do miss a payment and your coverage ends for any length of time, your broker has to inform the DMV of the lapse, and this could mean additional sentencing, re-suspension of your license or even jail time (see Resources below).

Tips & Warnings

• If you have recently moved to Hawaii from another state, your coverage can not move with you. You must obtain a new policy from a certified Hawaiian agent or broker, and cancel your old policy. The rates for SR22 coverage can be double the amount of what you paid before your license was suspended. Since you will need this coverage for a number of years, you should shop around for the best price before settling on a policy. If you wish to get SR22 coverage as a driver but do not currently own a vehicle, there is a special policy and paperwork to fill out that your agent or broker can tell you about.

Resources

• Hawaii Department of Transportation
• SR22 Agents in Hawaii