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Hawaii Auto Insurance Requirements & Rates

Hawaii requires 20/40/10 minimum liability coverage — $20,000 per person, $40,000 per accident for bodily injury, and $10,000 for property damage — with average premiums ranging $110–$145/month. The state also mandates $10,000 personal injury protection (PIP) for medical expenses regardless of fault. Drivers must carry proof of insurance at all times or face license suspension.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 2026

State Requirements

Hawaii operates under a no-fault insurance system, requiring personal injury protection (PIP) coverage in addition to liability insurance. All drivers must carry proof of insurance and file an insurance certification with the county Director of Finance annually. The Hawaii Department of Commerce and Consumer Affairs regulates insurance requirements and enforces compliance through registration verification.

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20/40 — $20,000 per person, $40,000 per accident
Bodily Injury Liability
Covers injuries you cause to others in an accident where you're at fault. Hawaii's minimum of $20,000 per person is below the national median and may be insufficient for serious injuries — a single hospital stay in Honolulu can exceed $50,000. Hawaii's no-fault system reduces liability claims for minor injuries but does not eliminate them for severe accidents.
$10,000
Property Damage Liability
Pays for damage you cause to another person's vehicle or property. The $10,000 minimum is among the lowest in the nation and often inadequate given Hawaii's high vehicle replacement costs — average vehicle values in the state run 10–15% above mainland averages due to shipping costs. Increasing this limit to $50,000 or more is advisable.
$10,000
Personal Injury Protection (PIP)
Mandatory in Hawaii's no-fault system, PIP covers medical expenses, lost wages, and funeral costs for you and your passengers regardless of who caused the accident. Hawaii requires $10,000 minimum PIP, which covers initial medical treatment but can be exhausted quickly in serious accidents. This coverage reduces lawsuits by covering immediate injury costs without determining fault.
Must be offered; rejection requires written waiver
Uninsured/Underinsured Motorist Coverage
Insurers in Hawaii must offer uninsured/underinsured motorist (UM/UIM) coverage matching your liability limits, though you can decline it in writing. With approximately 8% of Hawaii drivers uninsured — particularly on outer islands where enforcement is lighter — this coverage protects you when an at-fault driver lacks adequate insurance. Declining UM/UIM leaves you personally responsible for costs exceeding their limits.
$10,000 (optional but commonly included)
Pedestrian Protection (PedPIP)
Unique to Hawaii, pedestrian protection coverage extends PIP benefits to pedestrians you injure with your vehicle. While not legally required, most insurers include it automatically with PIP policies. Hawaii's pedestrian fatality rate is higher than the national average due to heavy foot traffic in tourist areas and limited sidewalk infrastructure on rural routes.
State-Mandated Minimum Coverage · Hawaii

Hawaii Minimum Coverage

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

License Reinstatement Fee$30

Meeting the state minimum keeps you legal. See whether it's enough — get your Hawaii quote.

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Cost Overview

Hawaii's island geography creates distinct insurance pricing dynamics — limited competition among carriers, higher vehicle repair costs due to parts shipping, and elevated theft rates in Honolulu all push premiums above the national average. Drivers on Oahu typically pay 15–25% more than those on neighboring islands due to traffic density and theft exposure.

What Affects Your Rate

  • Honolulu drivers pay 20–30% more than rural Oahu residents due to vehicle theft rates exceeding 400 per 100,000 population in urban core ZIP codes.
  • Maui and Kauai residents typically see rates 10–15% below Oahu averages due to lower traffic density and fewer comprehensive claims.
  • Drivers under 25 pay $80–$150 more per month than those over 25, with Hawaii's youth surcharges among the steepest in the Pacific region.
  • Full coverage on vehicles parked in Waikiki or downtown Honolulu costs 15–25% more than suburban garaging due to elevated theft and vandalism claims.
  • Clean driving records with no violations in the past three years qualify for discounts of 15–25%, while a single at-fault accident raises premiums by an average of $45–$75/month.
  • Bundling home and auto insurance yields discounts of 12–20%, though fewer carriers operate in Hawaii compared to mainland markets, limiting bundling options.
Minimum Coverage
$85–$115/mo
Meets Hawaii's 20/40/10 liability and $10,000 PIP requirements only. Leaves you financially exposed for damage to your own vehicle and liability claims exceeding minimums.
Standard Coverage
$135–$175/mo
Includes 100/300/100 liability limits, $25,000 PIP, uninsured motorist coverage, and comprehensive/collision with $500–$1,000 deductibles. Balances cost and protection for most drivers.
Full Coverage
$190–$260/mo
Provides 250/500/100 or higher liability limits, $50,000+ PIP, low deductibles, rental reimbursement, and roadside assistance. Recommended for financed vehicles or drivers with significant assets to protect.

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Coverage Types

Liability Insurance

Covers bodily injury and property damage you cause to others. Hawaii's 20/40/10 minimums are often inadequate for serious accidents — a single injury claim can easily exceed $100,000 in medical costs and lost wages.

Full Coverage

Combines liability, collision, and comprehensive coverage to protect both your liability exposure and your own vehicle. Required by lenders for financed or leased vehicles.

Comprehensive Coverage

Pays for damage to your vehicle from theft, vandalism, weather, falling objects, and animal strikes. Does not cover collision damage.

Collision Coverage

Covers repair or replacement of your vehicle after an accident with another vehicle or object, regardless of fault.

Uninsured/Underinsured Motorist Coverage

Protects you when an at-fault driver lacks insurance or carries insufficient limits to cover your damages. Includes bodily injury and property damage coverage.

SR-22 Insurance

A certificate of financial responsibility filed with the state after license suspension, DUI conviction, or multiple violations. Not a separate policy but a filing requirement added to your existing coverage.

Find Your City in Hawaii

Honolulu, Hawaii cityscape and street view

Honolulu

urban
City skyline reflected in water at sunset with golden light and purple-orange sky

Pearl City

suburban
Sunset on tropical beach with pebbles, tree silhouette, and golden light reflecting on wet sand

Hilo

urban
Aerial view of tropical coastal town with bay, green hills, and blue ocean under cloudy sky

Kailua

suburban
Aerial view of lush green coastal cliffs and volcanic ridges meeting the ocean under blue sky

Waipahu

suburban

Frequently Asked Questions

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