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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.

Senior Drivers — insurance-related stock photo

Updated March 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.

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.

Minimum Coverage
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
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
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.

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.

Compare Auto Insurance Rates in Hawaii

Coverage Options

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

Sources

  • Hawaii Department of Commerce and Consumer Affairs, Insurance Division (cca.hawaii.gov/ins)
  • Hawaii Revised Statutes Chapter 431:10C – Motor Vehicle Insurance Law
  • National Association of Insurance Commissioners (NAIC) State Auto Insurance Requirements, 2024

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