Hawaii Minimum Coverage Car Insurance: Requirements and Costs (2024)


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Hawaii requires drivers to carry minimum car insurance coverage, including $20,000 for bodily injury liability per person, $40,000 per accident and $10,000 for property damage liability. Personal injury protection coverage of $10,000 is also mandatory. Hawaii is a no-fault state where your own insurance covers injury expenses regardless of who is at fault.

The monthly cost of required minimum car insurance averages $32. To find the cheapest car insurance in Hawaii, compare different insurers for affordable options.

Why Trust MoneyGeek? We analyzed data from Quadrant Information Services and the Hawaii Insurance Division to provide the most accurate cost data for various Hawaii drivers.

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These rates reflect the cost of minimum coverage car insurance requirements in Hawaii as of December 2024.

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Hawaii Minimum Coverage Car Insurance Requirements

In Hawaii, the law requires drivers to have a minimum coverage auto insurance to operate a vehicle legally. The specific amounts for each coverage type are as follows:

  • $20,000 for bodily injury liability per person
  • $40,000 for bodily injury liability per accident
  • $10,000 for property damage liability per accident
  • $10,000 personal injury protection (PIP) per person

Hawaii has a no-fault insurance system, so your premium reflects the requirement for PIP. This coverage pays for your medical expenses regardless of fault. After an accident, drivers must file claims with their own insurance for minor injuries, no matter who caused the accident.

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ARE COLLISION AND COMPREHENSIVE COVERAGES REQUIRED IN HAWAII?

Hawaii doesn't require drivers to carry collision or comprehensive coverages as part of the minimum auto insurance. However, if you finance or lease your vehicle, lenders usually require both coverage types to protect their investment against financial loss if your car is damaged or totaled.

What Does Minimum Coverage Cover?
What Liability Insurance Covers
What Liability Insurance Doesn't Cover

Injuries to others if you're at fault in an accident

Your injuries

Damage to another person’s property if you're at fault in an accident

Damage to your car

Some coverage for injuries caused by uninsured/underinsured drivers, depending on your policy

Property damage caused by uninsured/underinsured drivers unless additional coverage is purchased

Repairs for weather-related accidents or if you were hit by an animal

The table reflects Hawaii's minimum car insurance requirements, covering bodily injury and property damage liability. Specific policy details may vary according to the agreement with your insurance provider.

Average Cost of Minimum Coverage Car Insurance in Hawaii

Age typically impacts minimum car insurance rates, with drivers aged 22 to 29 facing the highest premiums due to inexperience and a higher likelihood of accidents than older age groups. However, age doesn't affect car insurance costs in Hawaii, as drivers of all ages pay the same average amount.

22-29$386$32
30-59$386$32
60 +$386$32

Cheapest Companies for Minimum Coverage Car Insurance in Hawaii

Drivers in Hawaii seeking the most affordable minimum coverage insurance can find the lowest rates with the following providers:

  • GEICO: $275 per year; $23 per month
  • Island Insurance Group: $333 per year; $28 per month

While finding cost-effective solutions for your state minimum insurance is essential, choosing coverage that fits your needs is equally important. Evaluating the best car insurance options in Hawaii will help you make an informed decision.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
GEICO$275$23
Island Insurance Group$333$28
State Farm$371$31
Farmers$373$31
Progressive$473$39
Allstate$491$41

Optional Add-On Coverages in Hawaii

In Hawaii, optional add-on coverages include collision, comprehensive, uninsured motorist, personal injury protection (PIP) above the state-required minimum and rental car reimbursement. While not mandated by law, these coverages can financially protect drivers against various unexpected events such as theft, vandalism and collisions with uninsured drivers. Determine how much car insurance you need by considering your personal circumstances and the value of your vehicle.

Add-On Coverage
What It Covers
What It Doesn't Cover

Uninsured/Underinsured motorist coverage

Medical expenses, lost wages and repair costs if you're hit by a driver with no or insufficient insurance

Damage to your vehicle if you are at fault or damage that exceed policy limits

Personal injury protection (PIP)

Medical expenses, lost income and funeral costs for you or your passengers regardless of who's at fault

Vehicle damage or injuries to the other driver

Roadside assistance

Services like towing, flat tire changes and jump-starts when your car breaks down

Cost of parts or repairs needed after the tow

Gap insurance

Pays the difference between your car's current value and what you still owe if it's totaled or stolen

Vehicle depreciation or overdue loan payments

Rental car reimbursement

The cost of a rental car while your vehicle is being repaired after a covered event

Fuel, insurance or other rental extras

Penalties for Driving Without Insurance in Hawaii

In Hawaii, the cost of a ticket for driving without minimum coverage depends on whether it's your first offense or you've been caught before. Expect a fine for a first-time offense, but penalties are harsher for repeat offenses.

  • Vehicle registration suspension: Your ability to legally drive your car can be affected.
  • License suspension and reinstatement fee: Not having insurance could result in losing your license and paying an extra cost to get it back.
  • SR-22 requirement: You might have to prove future financial responsibility by filing an SR-22 form.
  • Potential jail term: If uninsured in a serious accident, you might face up to six months in jail.

Driving without the required insurance in Hawaii is against the law. Follow state rules to avoid these penalties and ensure you're covered if an accident happens.

What to Do if Your Policy Is Canceled

After a car insurance policy cancelation in Hawaii, immediately seek new coverage to avoid the risks and penalties of driving uninsured. They must contact their insurance agent or shop for a new policy. Hawaii's Division of Motor Vehicles (DMV) will be informed of the lapse in insurance, potentially leading to registration suspension and fines.

If securing a standard insurance policy is challenging, drivers can explore the Hawaii Joint Underwriting Plan (HJUP), a state-run program designed to insure high-risk drivers.

Driving without at least minimum car insurance in Hawaii is illegal. Maintain continuous coverage to protect yourself and comply with state laws.

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WHY WAS MY POLICY CANCELED?

Your car insurance policy in Hawaii may have been canceled for a few reasons:

  • Non-payment: If you fail to pay your premiums on time, your insurer might cancel your policy.
  • Fraud or misrepresentation: Lying on your insurance application or filing false claims can lead to cancelation.
  • License suspension or revocation: Losing your driver's license for any reason may result in losing your insurance.
  • Too many accidents or violations: If you're involved in several accidents or get many traffic tickets, your insurer could see you as too risky to insure.
  • Vehicle changes: Modifying your car for performance or installing illegal components may void your policy.

Read your policy details carefully to know what can cause a cancelation.

FAQ: Hawaii Minimum Coverage Car Insurance

We answered frequently asked questions about minimum car insurance requirements in Hawaii to help you comply with the local laws and ensure you're adequately covered on the road.

What is the minimum car insurance coverage in Hawaii?

Why does Hawaii require minimum automobile liability coverage for motorists?

Do you need comprehensive insurance in Hawaii?

What happens if you drive uninsured in Hawaii?

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.