What are state minimums for car insurance in Hawaii?

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Things to remember...
  • Hawaii requires its drivers to purchase liability insurance and personal injury protection coverage
  • Drivers with car loans may need to purchase additional coverage based on their lender’s requirements
  • Hawaiian drivers could be fined and face other penalties if they do not carry proof of car insurance with them at all times while driving


A car accident in Hawaii can be very expensive for you to pay for, and you may be held financially responsible for some or all of the related expenses. These expenses may include vehicle repairs, medical bills, lost wages, and more.

Hawaii has passed a car insurance law that requires drivers to purchase both liability insurance and personal injury protection insurance.

This insurance requirement provides drivers with the financial means to pay for accident-related expenses that they otherwise may not be able to pay for. Make sure to compare rates with our free insurance quote tool above! 

How to Read Car Insurance Requirements

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Buying car insurance can be complicated and seem confusing to some drivers, and one reason for this is because there are several different types of coverage for you to choose from.

By learning more about what these coverage types are, you can make a more informed buying decision regarding your car insurance needs.

  • Bodily Injury Liability – When you cause an accident in Hawaii, you are financially responsible for the medical bills that other parties incur as a result of the accident. Bodily injury liability insurance is legally required in this state, and its benefits pay for medical bills and other related expenses for other people who are involved in the accident.
  • Personal Injury Protection (PIP) / Medical Payments – You may also have to pay your own medical expenses if you are injured in a Hawaiian car accident. Personal injury protection coverage is also required by drivers in this state, and it will pay for your own medical bills and other related expenses.
  • Property Damage Liability – You may also be held financially responsible for the property damage you cause to other people while driving. This may include vehicle damage, property damage, and other similar expenses. Hawaii’s drivers are required to purchase this type of insurance.
  • Collision Collision insurance is not legally required in this state, but some auto lenders require it. This type of auto coverage pays for your vehicle’s repair expenses or for a full replacement if it is damaged in a collision. Other damaging events are not covered by collision insurance.
  • ComprehensiveComprehensive insurance is similar to collision insurance, but it includes repairs or a replacement for many other types of damage. In addition to covering you for damage related to a collision, it may also cover you for bad weather damage, a fire, a theft, and other similar types of events.
  • Uninsured and Underinsured Motorist Coverage – Hawaii does not require you to buy uninsured or underinsured motorist coverage, but some other states do have this requirement. It pays benefits if you are involved in a hit and run accident or if the driver who hits you is not properly insured per state law.

If you are preparing to shop for new auto insurance in Hawaii, you need to be aware that coverage is bought based on the type and limits that you select. After you select the types of coverage you want from the above options, you will choose a separate coverage limit for each type.

Your insurance company will pay benefits up to the limit that you select, but you will be responsible for paying any expenses that are not covered by the insurance policy that you have purchased.

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Minimum Coverage for Hawaii

If you are ready to start shopping around for a new car insurance policy, you need to be aware of what Hawaii’s minimum insurance requirements are.

These requirements should serve as the lowest amount of coverage that you buy, but you may want to buy more than the required coverage to enjoy additional benefits.

The minimum auto insurance requirements in Hawaii include:

  • $10,000 for personal injury protection
  • $20,000 for bodily injury insurance per person or $40,000 per accident
  • $10,000 for property damage liability insurance

As a driver in Hawaii, be aware that these insurance requirements are for personal-use vehicles. If you have a commercial vehicle or if your vehicle is considered to be special in some other way, you may need to meet different insurance requirements. Researching these requirements with the state is a smart idea.

– Penalties for Not Being Properly Insured in Hawaii

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Hawaii legally requires its drivers to purchase the above minimum coverage types and limits, but you may choose to purchase more than the minimum amount at your discretion.

More than that, you must always carry proof of insurance with you while driving. If you are not properly insured or if you fail to carry proof of coverage with you while driving in this state, you could receive a fine or face other hefty penalties.

Minimum Requirement vs. Recommended Coverage

When buying car insurance in Hawaii, it is important that you purchase at least a minimum amount of coverage so that you meet the legal requirements. However, you also need to consider if buying more than the legal requirements is in your best interest.

This will increase your premium, but it also can decrease the amount of expenses that you must pay for if you are involved in an accident.

Drivers should analyze their current monthly budget as well as their financial means to pay for expenses in the event of an accident to determine if additional coverage should be purchased.

When You Buy Car Insurance in Hawaii

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Shopping for new car insurance rates in Hawaii every six months is a wise idea, and this is because shopping around periodically will ensure that your auto coverage is updated regularly.  It can also help you to avoid spending more than you need to on car insurance.

If you plan to shop for new car insurance rates, spend time determining how much coverage you want to buy as a first step.

Then, narrow down your list of possible auto providers to a few of the companies that are financially secure and that have a great customer service rating.

When you request car insurance quotes online, the entire process may be completed quickly. If you screen providers up-front and if you ask for quotes on the same coverage types and limits, you can quickly determine which quote is most affordable for your current needs. Don’t miss out on our free quote tool below! Just enter your zip code and start comparing rates now!

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