Question 1

What does non-owner car insurance cover in Hawaii?

Accepted Answer

A Hawaii non-owner policy covers bodily injury liability (20/40 minimum), property damage liability ($10,000 minimum), and Personal Injury Protection (PIP) as required by the state's no-fault law. It does not cover collision or comprehensive damage to the car you're driving, because you own no vehicle. The policy is secondary, sitting behind any coverage on the car itself.

Question 2

Can I get an SR-22 without owning a car in Hawaii?

Accepted Answer

Yes. A non-owner SR-22 policy satisfies Hawaii's filing requirement after a DUI or other qualifying violation for drivers who own no car. The SR-22 is filed by the carrier directly with the state and typically required for 3 years under HRS §291E-41. Geico, Progressive, National General, and USAA write non-owner SR-22 policies in Hawaii.

Question 3

Which carriers write non-owner insurance in Hawaii?

Accepted Answer

Geico, Progressive, and USAA write non-owner policies in Hawaii. For drivers who need an SR-22 filing, Geico, Progressive, National General, and USAA file non-owner SR-22s. State Farm writes SR-22 policies in Hawaii but does not explicitly confirm non-owner availability, so verify directly.

Question 4

How long does SR-22 filing last in Hawaii after a DUI?

Accepted Answer

Hawaii requires SR-22 filing for 3 years after a DUI conviction under HRS §291E-41, measured from the conviction date. Ignition interlock is mandatory during any restricted license period. The filing must remain continuous — any lapse triggers a restart of the 3-year period.

Question 5

Does Hawaii require PIP on a non-owner policy?

Accepted Answer

Yes. Hawaii is a no-fault state under HRS §431:10C, requiring Personal Injury Protection (PIP) coverage on every auto policy, including non-owner. PIP covers your own medical expenses and lost wages after an accident, regardless of fault, and follows you rather than the car.

Question 6

How do I reinstate my license in Hawaii with a non-owner SR-22?

Accepted Answer

Purchase a non-owner SR-22 policy from a carrier that files in Hawaii (Geico, Progressive, National General, or USAA). The carrier files the SR-22 directly with your county's driver licensing division. Pay the $30 base reinstatement fee and any other penalties. Hawaii's DMV functions are county-administered, so contact the office on your island for exact requirements.

Question 7

Can I use a non-owner policy to rent a car in Hawaii?

Accepted Answer

Yes, but a non-owner policy provides only liability and PIP coverage — it does not cover physical damage to the rental car itself. Most rental companies require you to purchase their collision damage waiver (CDW) or prove you have collision coverage from another source. A non-owner policy satisfies the liability requirement but not the physical-damage requirement.

Coverage	Minimum
Bodily Injury (per person)	$20,000
Bodily Injury (per accident)	$40,000
Property Damage	$10,000

Non-Owner Car Insurance — Hawaii

Hawaii Minimum Coverage

Get non-owner SR-22 coverage without owning a vehicle

Coverage Types

Non-Owner Liability Insurance

Non-Owner SR-22 Insurance

Uninsured Motorist Coverage

Non-Standard Auto Insurance

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