Car Insurance in Hawaii
Hawaii requires drivers to carry at least 20/40/10 in liability coverage plus $10,000 in personal injury protection (PIP). As a no-fault state, your own PIP pays your medical bills after a crash regardless of who was at fault.
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Hawaii at a glance
Data as of 2023Average cost
$888/yr
≈ $74/mo
vs U.S. average
-31%
below the national avg of $1,282/yr
Required minimums
20/40/10
+ $10K PIP
Source: NAIC (2023). Annual average expenditure per insured vehicle.
Hawaii requires drivers to carry at least 20/40/10 in liability coverage plus $10,000 in personal injury protection (PIP). As a no-fault state, your own PIP pays your medical bills after a crash regardless of who was at fault.
Hawaii also mandates uninsured/underinsured motorist coverage at 20/40. Comparing carriers is the most reliable way to find affordable coverage that meets all the requirements.
Hawaii minimum car insurance requirements
Hawaii requires $20,000 of bodily injury liability per person, $40,000 per accident, $10,000 in property damage liability, $10,000 in PIP, and uninsured/underinsured motorist coverage at 20/40. Lenders typically require collision and comprehensive on financed vehicles.
Hawaii is a no-fault state: $10,000 in PIP is required. Uninsured/underinsured motorist coverage is also required at 20/40.
How much does car insurance cost in Hawaii?
The average driver in Hawaii pays $888 per year for auto insurance — that's 31% below the U.S. national average of $1,282/yr. Lower-than-average rates often reflect lower traffic density, fewer claims per insured vehicle, or less stringent coverage requirements.
Hawaii vs the national average
31% below the national average of $1,282/yr.
Source: NAIC (2023). Annual average expenditure per insured vehicle.
How Hawaii premiums have changed since 2019
Auto insurance costs in Hawaii have risen 6% over the past five years. The 2022–2023 jump mirrors a national trend: rising repair costs (vehicle complexity and parts inflation), more frequent severe accidents, and higher litigation costs pushed premiums up faster than overall inflation.
5-year trend: Hawaii vs national average
Hawaii is up 6% from $840 in 2019 to $888 in 2023.
Source: NAIC Auto Insurance Database Report (2022/2023), Table 4 — Average Expenditure.
Types of car insurance coverage
A Hawaii policy is built from a few core coverages. Liability is required; the rest are optional but often worth it.
| Coverage | What it covers | Required? |
|---|---|---|
| Liability | Injuries and property damage you cause to others | Required (state minimum) |
| Collision | Repairs to your own car after a crash | Optional* |
| Comprehensive | Theft, fire, weather, vandalism, animal strikes | Optional* |
| Uninsured motorist | Your costs if the at-fault driver has no insurance | Varies by state |
*Collision and comprehensive are usually required by your lender if you lease or finance your vehicle.
Driving without car insurance in Hawaii
Driving uninsured in Hawaii can be costly. Penalties typically include fines, suspension of your license and registration, and reinstatement fees. You may also be required to file an SR-22 certificate to reinstate your license.
How to find cheaper car insurance in Hawaii
Rates for the same driver can vary widely between insurers in Hawaii, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Ask about every discount you qualify for
- Keep a clean driving record and good credit (where the state allows it as a rating factor)
- Reconsider collision and comprehensive on an older vehicle
For more, see our guides on how to lower your premium and what affects your rate.
Coverage requirements last verified May 29, 2026. Always confirm current minimums with your state’s Department of Insurance.
Hawaii car insurance FAQs
Common questions about auto insurance in Hawaii
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