Hawaii Auto Insurance: Rates, Requirements & Coverage
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 all drivers to carry Personal Injury Protection (PIP) alongside liability coverage. Proof of insurance must be carried at all times, and failure to maintain continuous coverage triggers license suspension. The Hawaii Department of Insurance enforces these requirements through electronic verification with insurers.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist
Temporary Disability Benefits
Cost Overview
about $74/mo
Average car insurance spending in Hawaii
Rate data: NAIC Auto Insurance Database, 2023
Compare Before You Renew
Compare Auto Insurance RatesFrequently Asked Questions
Is Hawaii a no-fault insurance state?
Yes, Hawaii operates under a no-fault system requiring Personal Injury Protection (PIP) coverage. Your own insurance pays your medical bills and lost wages regardless of who caused the accident, up to your policy limits. You can only sue the at-fault driver for serious injuries exceeding Hawaii's statutory threshold or for damages beyond your PIP coverage.
Do I need comprehensive coverage in Hawaii?
Comprehensive coverage is not legally required but highly recommended given Hawaii-specific risks: above-average vehicle theft in metro Honolulu, volcanic ash damage, saltwater corrosion accelerating rust, and tropical storm exposure. Lenders require comprehensive coverage on financed vehicles.
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. Hawaii's 20/40/10 minimum is insufficient for serious accidents — a single hospitalization easily exceeds $20,000, and totaling a newer vehicle exceeds the $10,000 property limit.
Full Coverage
Combines liability, collision, comprehensive, and uninsured motorist coverage. Protects your vehicle and assets comprehensively, essential for financed vehicles and recommended for any car worth more than $5,000.
Comprehensive Coverage
Pays for non-collision damage: theft, vandalism, weather, falling objects, and animal strikes. Hawaii's unique risks include volcanic ash, saltwater corrosion, flash flooding, and above-average vehicle theft rates in urban areas.
Collision Coverage
Covers damage to your vehicle from accidents regardless of fault. Given Hawaii's congested roads and tourist-heavy traffic patterns, collision claims occur at higher frequencies in urban corridors.
Uninsured Motorist Coverage
Protects you when hit by a driver without insurance or who flees the scene. Hawaii requires insurers to offer UM/UIM at limits matching your liability coverage unless you decline in writing.
Personal Injury Protection
Required in Hawaii's no-fault system, PIP covers medical bills, lost wages, and funeral expenses for you and your passengers regardless of fault. The $10,000 minimum provides limited protection given local healthcare costs.