Hawaii car insurance: minimums, prices and your estimate
Hawaii requires at least $40,000 of bodily injury liability per person, $80,000 per accident, and $20,000 of property damage liability (written 40/80/20).
Hawaii is a no-fault state: you need at least $10,000 per person of personal injury protection and cannot sue or be sued over injuries unless they are serious. Insurers cannot base rates on credit, age, gender, marital status or years of driving experience.
Since January 1, 2026, new and renewed policies must carry at least 40/80/20, double the old 20/40/10, and the Hawaii Insurance Division estimates this may raise premiums about 25% on average for drivers moving up from the old minimums.
- Legal minimum
- 40/80/20 + $10k PIP
- Fault system
- No-fault
- Personal injury protection
- Required, $10,000 minimum
- Uninsured motorist
- Must be offered; you can turn it down
- Underinsured motorist
- Must be offered; you can turn it down
- Credit-based pricing
- Not allowed as a rating factor
- Gender-based pricing
- Not allowed
- High-risk proof filing
- Ask your local DMV
What drivers in Hawaii can expect to pay
Monthly ranges from our model, anchored to Hawaii's position in 7 published price studies from 2025 and 2026 ($2,028 a year for full coverage and $506 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $145-$193 | $2,028 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $37-$48 | $506 |
| Young driver, full coverage20, own policy, clean record | $145-$193 | $2,028 |
| Senior, full coverage70, clean record | $145-$193 | $2,028 |
| After one at-fault accident35, full coverage | $218-$289 | $3,042 |
| After a DUI35, full coverage | $254-$382 | $3,813 |
Build your Hawaii estimate
Rules worth knowing in Hawaii
- Required personal injury protection covers at least $10,000 per person in medical and rehabilitation costs, no matter who caused the crash, and you can add options such as wage loss, death and funeral benefits. No-fault rules apply to injuries, not to damage to cars or other property.
- Uninsured and underinsured motorist coverage is optional, but your agent or insurer must explain it, including your right to decline it in writing. Declining it can lower your premium.
- Insurers cannot refuse to insure you because of your credit, age, gender, marital status or where you live. Drivers who are turned down may be placed in the Hawaii Joint Underwriting Plan.
- Your car must stay insured for the whole registration period, with a valid Hawaii insurance ID card in the vehicle. If it is not insured, you must turn in the registration and plates to your county's director of finance.
- Hawaii sets its own rules on whether a serious violation calls for an SR-22 or similar filing, and for how long, so check with your local DMV.
Questions about Hawaii car insurance
What is the minimum car insurance in Hawaii?
Hawaii requires at least $40,000 of bodily injury liability per person, $80,000 per accident, and $20,000 of property damage liability (written 40/80/20).
How much is car insurance in Hawaii per month?
For a 35-year-old with a clean record, our model puts full coverage at about $145 to $193 a month and state-minimum coverage at about $37 to $48. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Hawaii a no-fault state?
No-fault state: your own personal injury protection (PIP) pays your medical bills first, whoever caused the crash, and lawsuits are limited to more serious injuries.
Can insurers in Hawaii use my credit score?
No. Hawaii does not allow credit-based insurance scores in car insurance pricing.
Do I need an SR-22 in Hawaii?
Only if a court or the state requires one, usually after a serious violation or a lapse. Hawaii sets its own rules on whether a serious violation calls for an SR-22 or similar filing, and for how long, so check with your local DMV.