Car insurance · Hawaii
Car insurance requirements in Hawaii
Liability 40/80/20 and $10,000 PIP (from January 1, 2026). Claims system: no-fault.
Verified summaryAll Hawaii insurance topics
Requirements
Minimum car insurance requirements in Hawaii
| Coverage | Requirement in Hawaii |
|---|---|
| Bodily injury liability | $40,000 per person / $80,000 per accident |
| Property damage liability | $20,000 per accident |
| Injury protection | Personal injury protection (PIP): at least $10,000 per person for your own medical and rehabilitation costs, regardless of fault |
| Uninsured / underinsured motorist | Not covered in the Insurance Division FAQ we read |
What the law requires you to carry
- Bodily injury liability: $40,000 per person and $80,000 per accident
- Property damage liability: $20,000 per accident
- Personal injury protection of at least $10,000
- Proof of coverage with you when driving
Uninsured drivers
Uninsured motorist coverage in Hawaii
Not covered in the Insurance Division FAQ we read.
Optional coverage
Coverage you can add in Hawaii
- Uninsured/underinsured motorist
- Collision
- Comprehensive
- Higher PIP and liability limits
Penalties
Penalties for driving without insurance in Hawaii
Penalties for driving without required insurance are set by Hawaii law. Confirm current penalties with the Hawaii Insurance Division or the county office that handles vehicle registration.
Good to know
Other things to know in Hawaii
- Hawaii raised its minimum liability limits effective January 1, 2026. The new limits apply to personal auto policies that are new or up for renewal on or after that date. The previous minimum was 20/40/10, and many older materials still show it.
- Hawaii Revised Statutes section 431:10C-103 defines the maximum personal injury protection benefit as $10,000 per person in any one motor vehicle accident.
- In addition to liability and PIP, the Insurance Division says policies should include other coverages required by statute or requested by a lender or lessor.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Contacts
Who to contact in Hawaii
- Hawaii Insurance Division
- Website: cca.hawaii.gov/ins
- NAIC directory of state insurance departments
Sources
Where this summary comes from
Reviewed 2026-10. Check each source for the current rule.
- Hawaii Insurance Division: Auto insurance minimum limits FAQ (PDF, January 2026)cca.hawaii.gov
- Hawaii Revised Statutes 431:10C-103: Definitionscapitol.hawaii.gov
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Hawaii.
Home insurance resources and the health marketplace for Hawaii are on its overview page.