Hawaii Minimum Car Insurance Requirements, Penalties and Other Auto Insurance Laws

In Hawaii, car insurance laws require that all drivers have motor vehicle insurance with a minimum liability limit of 20/40/10 and personal injury protection. A policy that follows these minimums has $40,000 in bodily injury coverage per accident with a $20,000 limit per person, $40,000 in property damage coverage and $10,000 in personal injury protection. Hawaii’s minimum car insurance requirements protect drivers, passengers and third parties in the event of an accident. Still, drivers can opt for more coverage or add-ons to get more protection. Not having motor vehicle insurance is illegal in Hawaii and can result in fines and other penalties.

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What Is the Minimum Car Insurance Requirement in Hawaii?

How much car insurance do you need in Hawaii? State laws require that you have a policy that follows the minimum limits, but you are free to increase them or add more coverage based on your needs and desires. In Hawaii, you should have at least:

  • $20,000 in bodily injury per person
  • $40,000 in bodily injury per accident
  • $10,000 in property damage
  • $10,000 in personal injury protection

Insurers may also refer to these limits as 20/40/10 and personal injury protection, also known as ‘PIP coverage.’

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What Does This Minimum Coverage Mean?

Hawaii’s minimum car insurance requirements include 20/40/10 in liability coverage and personal injury protection (PIP). Drivers need $20,000 in bodily injury coverage per person with a $40,000 limit per accident, which covers a third party’s medical bills or other expenses resulting from an accident. Policies also require at least $10,000 in property damage coverage, which can help an at-fault driver cover the costs of a third party’s damaged vehicle or personal belongings.

Hawaii is a no-fault state, which means drivers must have PIP insurance. This means that regardless of who is at fault, all drivers involved in an accident need coverage that can pay for their own and their passengers’ injuries. Personal injury protection insurance does this — if the coverage limit is not reached through medical bills, it can also help pay for other related expenses. This includes lost wages due to injury, childcare, funeral services, health insurance deductibles and more.

How Much Does the Minimum Car Insurance Cost in Hawaii?

Car insurers base your premiums on several factors — this includes your age, driving history, postal code and even your credit score. The insurer you choose also plays a role, as some insurers weigh certain factors more heavily than others. The most affordable option for drivers in Hawaii is USAA, which offers auto insurance at an average of $297 per year. However, this is only available for military families. GEICO is the next cheapest option that all drivers can purchase; their policies costing an average of $333 per year.

Cheapest Minimum Liability Car Insurance in Hawaii

Cheapest Minimum Car Insurance in Hawaii
  • Company
    Annually
    Monthly
  • 1.
    $297
    $25
  • 2.
    $333
    $28
  • 3.
    $436
    $36
  • 4.
    $542
    $45
  • 5.
    $672
    $56

These prices are only estimates based on rates for an average Hawaii driver and should not be used to compare insurance prices.

Rates for car insurance in Hawaii are based on a sample profile of a 40-year-old Hawaiian resident driving a 2010 Toyota Camry with a good driving record and credit score. It looked for a policy with the state’s minimum average of 20/40/10 and personal injury protection.

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What Is the Minimum Car Insurance Requirement in Hawaii While Leasing a Car?

In Hawaii, car lease insurance requirements can differ from that of the state. Leasing companies may require higher minimums to protect their financial interest in a vehicle. The majority of these institutions ask for full coverage car insurance with minimum liability coverage of 100/300/50. To find out the minimum coverage you need, contact your financial leasing company.

How much car insurance you need in Hawaii will depend on several factors, such as your driving history and the percentage of uninsured motorists in the state. However, note that as medical bills and lawsuits can soar beyond the minimum limits, Hawaii’s requirements for auto insurance coverage may not be enough to protect you if an accident occurs.

MoneyGeek generally recommends that drivers in Hawaii get full coverage insurance with at least 50/100/50 in liability limits. However, as 9.3% of drivers in Hawaii are uninsured, it pays to get more protection by getting comprehensive and collision insurance along with uninsured motorists coverage.

Penalties for Driving Without Car Insurance in Hawaii

As Hawaii car insurance laws state that auto insurance is mandatory for all drivers, failing to procure and maintain this with a registered vehicle can lead to fines or penalties. Carrying proof of insurance, like an insurance ID or a printed contract of the policy, must be shown to authorities in the event of an accident.

If you are caught without auto insurance in Hawaii, you may face penalties upon conviction in court:

First Offense

  • Drivers license and/or privileges will be suspended for three months
  • Will be required to file for an SR-22
  • Fines from $500

Second and Subsequent Offenses

  • Drivers license and/or privileges will be suspended for three months
  • Will be required to file for an SR-22
  • Imprisonment for not more than 30 days
  • Impoundment of motor vehicle
  • Suspension or revocation of vehicle plates
  • Fines from $1,500

Frequently Asked Questions About Car Insurance in Hawaii

Hawaii’s car insurance laws can be overwhelming to understand. To simplify the requirements, MoneyGeek has answered a few frequently asked questions on car insurance in Hawaii.

Learn More About Car Insurance

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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