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Hawaii Auto Insurance Rates & Minimum Coverage Guide

Hawaii requires 20/40/10 minimum liability coverage — $20,000 per person for bodily injury, $40,000 per accident, and $10,000 for property damage. Minimum coverage costs $65–$95/month, while full coverage averages $180–$240/month based on available industry data.

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Updated May 2026

State Requirements

Hawaii operates as a no-fault state with mandatory Personal Injury Protection (PIP), which requires drivers to carry $10,000 in PIP coverage to pay for their own medical expenses regardless of fault. The state requires continuous proof of financial responsibility through motor vehicle insurance identification cards, and police can request verification during traffic stops. Unlike most states, Hawaii mandates PIP coverage in addition to liability minimums, increasing baseline policy costs.

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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 at-fault accident. Hawaii's 20/40 minimum is among the lowest in the nation — a single emergency room visit can exceed $20,000, and multi-vehicle accidents regularly produce claims above $40,000. Hawaii law allows injury victims to sue beyond your policy limits if damages exceed coverage, putting your personal assets at risk.
$10,000 per accident
Property Damage Liability
Pays for damage to other vehicles and property when you're at fault. The $10,000 minimum is insufficient for most accidents involving newer vehicles — the average vehicle on Hawaii roads is valued near $30,000. If you total a financed car, you'll owe the difference out-of-pocket.
$10,000 minimum
Personal Injury Protection (PIP)
Required in Hawaii as a no-fault state, PIP covers your own medical expenses, lost wages, and funeral costs regardless of who caused the accident. Hawaii's PIP must cover all occupants in your vehicle at the time of the crash. This is not optional — every policy must include at least $10,000 in PIP, which adds $15–$30/month to your premium compared to tort states.
Must be offered; driver may reject in writing
Uninsured/Underinsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage to pay your damages. Hawaii has an uninsured motorist rate near 11%, meaning roughly 1 in 9 drivers cannot pay for damages they cause. You must explicitly reject this coverage in writing — if you don't, insurers automatically include it at limits matching your liability coverage.
State-Mandated Minimum Coverage · Hawaii

Hawaii Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$40,000
Bodily Injury (per accident)$80,000
Property Damage$20,000

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

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Cost Overview

Hawaii's insurance costs run higher than the national average due to its isolated geography, limited competition among insurers, and mandatory PIP coverage. Rates vary significantly between islands — Oahu drivers typically pay 15–25% more than those on the Big Island due to higher traffic density and theft rates in Honolulu.

What Affects Your Rate

  • Island location: Oahu drivers pay $20–$35/month more than Big Island residents due to Honolulu's congestion and vehicle theft rates, which are triple the statewide average.
  • Distance to work: Hawaii's compact geography means most drivers qualify for low-mileage discounts — commutes under 10 miles can reduce premiums by 10–15%.
  • Vehicle age: Cars over 10 years old see collision/comprehensive premiums drop by 40–60%, but repairs still cost 20–30% more than mainland due to parts shipping to the islands.
  • Credit score: Hawaii allows credit-based insurance scoring, and drivers with poor credit pay 50–80% more than those with excellent credit for identical coverage.
  • No-fault surcharge: Hawaii's mandatory PIP adds a flat $180–$360/year to every policy regardless of driving record, a cost that tort states do not impose.
Minimum Coverage
$65–$95/mo
Includes only state-required 20/40/10 liability and $10,000 PIP. Leaves you personally liable for any damages exceeding these low limits, and provides zero protection for your own vehicle.
Standard Coverage
$110–$150/mo
Raises liability to 100/300/100 and adds uninsured motorist coverage. Still excludes collision and comprehensive, so your vehicle has no physical damage protection.
Full Coverage
$180–$240/mo
Adds collision and comprehensive with a $500–$1,000 deductible. Only cost-justified if your vehicle is worth more than 10 times the annual premium — for most cars over 10 years old, you'll pay more in premiums than the car is worth.

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Coverage Types

Liability Insurance

The foundation of every policy — covers injuries and property damage you cause to others. Hawaii's 20/40/10 minimum is the bare legal floor, not a recommendation.

Personal Injury Protection (PIP)

Mandatory in Hawaii, PIP pays your medical bills and lost wages regardless of fault. You cannot waive this coverage.

Uninsured/Underinsured Motorist

Covers your damages when the at-fault driver has no insurance or insufficient coverage. Must be offered by law, but you can reject it in writing.

Collision Coverage

Pays to repair your vehicle after an accident, minus your deductible. Only makes financial sense if your car is worth more than 10 times the annual premium.

Comprehensive Coverage

Covers non-collision damage — theft, vandalism, weather, and animal strikes. Hawaii's tropical climate increases risk of flood and volcanic ash damage.

Full Coverage

Combines liability, PIP, collision, and comprehensive into a complete package. Only cost-effective if your vehicle is newer or financed.

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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