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Hawaii Auto Insurance: Rates, Requirements & Coverage

Hawaii requires 20/40/10 minimum liability coverage — $20,000 per person, $40,000 per accident for bodily injury, and $10,000 for property damage. Average full coverage costs $1,800–$2,400 annually, while minimum coverage runs $800–$1,200 per year based on available industry data.

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Updated May 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.

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20/40 — $20,000 per person, $40,000 per accident
Bodily Injury Liability
Covers medical expenses, lost wages, and legal fees when you injure someone in an at-fault accident. The state minimum is well below Hawaii's high cost of living and medical expenses — a single emergency room visit can exceed $20,000. Hawaii's concentration of tourists and rental vehicles increases collision exposure on major routes.
$10,000 per accident
Property Damage Liability
Pays for damage you cause to another vehicle or property. The $10,000 minimum barely covers the average vehicle repair cost in Hawaii, where parts and labor run 20–30% higher than mainland rates due to shipping costs. Any collision involving newer vehicles or multiple cars will likely exceed this limit.
$10,000
Personal Injury Protection (PIP)
Covers your own medical expenses, lost income, and funeral costs regardless of who caused the accident — this is the core of Hawaii's no-fault system. The $10,000 minimum provides limited protection given Hawaii's high healthcare costs. PIP also covers passengers in your vehicle and pedestrians you injure.
20/40 — must match bodily injury limits unless rejected in writing
Uninsured/Underinsured Motorist
Protects you when hit by a driver without insurance or insufficient coverage to pay your damages. Hawaii requires insurers to offer UM/UIM at the same limits as your liability coverage, and you must sign a written waiver to decline it. Approximately 8–10% of Hawaii drivers operate without insurance despite strict enforcement.
$10,000
Temporary Disability Benefits
Part of Hawaii's PIP requirement, this coverage replaces 80% of lost income if injuries prevent you from working, up to the policy limit. Unlike mainland states, Hawaii mandates this income replacement as a separate component of no-fault coverage. Benefits begin after three days of disability and extend for up to 52 weeks.
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 island geography and high cost of living drive insurance rates 15–25% above the national average. Limited competition among insurers, expensive vehicle repairs due to shipping costs for parts, and concentrated traffic in urban Honolulu all contribute to elevated premiums.

What Affects Your Rate

  • Oahu drivers pay 20–30% more than neighbor island residents due to Honolulu's traffic density and higher theft rates in metro areas
  • Comprehensive claims in Hawaii average 15–20% higher than mainland due to volcanic ash damage, saltwater corrosion, and tropical storm exposure
  • Drivers under 25 face surcharges of 60–100% above base rates, with young male drivers in Honolulu seeing the steepest increases
  • Credit-based insurance scores impact premiums by 30–50% in Hawaii, where insurers use credit history as a rating factor except where prohibited by law
  • Annual mileage below 7,500 miles can reduce rates by 10–15%, relevant for island residents with limited driving distances
  • Multi-policy discounts with home or renters insurance typically reduce auto premiums by 15–25%, particularly valuable given Hawaii's high housing costs
Minimum Coverage
$65–$100/mo
Covers only the state-required 20/40/10 liability and $10,000 PIP. Leaves you financially exposed to vehicle damage and liability claims exceeding minimums.
Standard Coverage
$110–$150/mo
Increases liability to 100/300/100, adds collision and comprehensive with $500–$1,000 deductibles. Appropriate for most drivers with financed vehicles or significant assets to protect.
Full Coverage
$150–$200/mo
Provides 250/500/100 liability, collision and comprehensive with low deductibles, and enhanced UM/UIM. Recommended for newer vehicles and drivers with substantial savings or home equity.

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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.

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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