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Hawaii Auto Insurance Rates & Minimum Coverage Guide

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

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.

Bodily Injury Liability

Covers injuries you cause to others in an at-fault accident. Hawaii law allows injury victims to sue beyond your policy limits if damages exceed coverage, putting your personal assets at risk.

Property Damage Liability

Pays for damage to other vehicles and property when you're at fault. If you total a financed car, you'll owe the difference out-of-pocket.

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.

Uninsured/Underinsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage to pay your damages. You must explicitly reject this coverage in writing — if you don't, insurers automatically include it at limits matching your liability coverage.

Cost Overview

$50–$62/mo

Typical monthly rate in Hawaii, minimum-coverage policies

Rate data: NerdWallet, ValuePenguin and Insurify, 2026

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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

urban

Pearl City

suburban

Hilo

urban

Kailua

suburban

Waipahu

suburban