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Hawaii Auto Insurance Requirements & Rates

Hawaii requires 40/80/20 liability coverage and is a no-fault state.

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Hawaii at a Glance

40/80/20

Minimum liability limits, in thousands of dollars (per person / per accident / property)

No-fault

Each driver's own policy pays their injuries first, whoever caused the crash

Required

PIP coverage must be on every policy

Source: state DMV, insurance department and statute records, verified July 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.

Bodily Injury Liability

Covers injuries you cause to others in an accident where you're at fault. Hawaii's no-fault system reduces liability claims for minor injuries but does not eliminate them for severe accidents.

Property Damage Liability

Pays for damage you cause to another person's vehicle or property.

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. This coverage reduces lawsuits by covering immediate injury costs without determining fault.

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. Declining UM/UIM leaves you personally responsible for costs exceeding their limits.

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.

Cost Overview

about $74/mo

Average car insurance spending in Hawaii

Rate data: NAIC Auto Insurance Database, 2023

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Frequently Asked Questions

Do I need comprehensive coverage in Hawaii?

Comprehensive coverage is not legally required but strongly recommended. Hawaii experiences vehicle theft, tropical storm damage, and flood risk — Honolulu ranks among the top 25 U.S. cities for theft per capita. If you finance or lease a vehicle, lenders require comprehensive and collision coverage to protect the asset.

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

urban

Pearl City

suburban

Hilo

urban

Kailua

suburban

Waipahu

suburban