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 drivers to carry Personal Injury Protection (PIP) in addition to liability coverage. All drivers must maintain proof of insurance and present it during traffic stops or at vehicle registration. The state's FS-1 financial responsibility requirement mandates continuous coverage, and lapses trigger immediate registration suspension.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Cost Overview
about $74/mo
Average car insurance spending in Hawaii
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- Vehicle theft rates: Hawaii ranks among the top 10 states for per-capita vehicle theft, with Honolulu reporting approximately 1,800 thefts annually, directly increasing comprehensive premiums.
- Limited carrier competition: Only 12 major insurers actively write policies in Hawaii, reducing competitive pressure that lowers rates in mainland markets.
- Rust and corrosion damage: Saltwater exposure accelerates vehicle deterioration, increasing claim frequency for comprehensive coverage and raising underwriting costs.
- Credit scoring restrictions: Hawaii law limits how insurers use credit-based insurance scores, reducing individual rate differentiation but raising baseline premiums for lower-risk drivers.
Check Your Rate Against the Market
Compare Auto Rates for FreeCoverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Hawaii's 20/40/10 minimum provides only basic protection — a single hospitalization or totaled newer vehicle can exceed these limits.
Full Coverage
Combines liability, comprehensive, collision, and uninsured motorist protection in a complete package. Recommended for vehicles worth more than $5,000 or any financed vehicle.
Comprehensive Coverage
Pays for damage from theft, vandalism, weather, falling objects, and animal strikes. Does not cover collisions with other vehicles or objects.
Collision Coverage
Covers damage to your vehicle from accidents with other cars or objects, regardless of fault. Pays up to your vehicle's actual cash value minus your deductible.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage to pay your medical bills and vehicle damage. Covers you, your passengers, and your vehicle depending on the type purchased.