Hawaii car insurance: requirements & free quotes
Hawaii doubled its minimum liability limits to 40/80/20 for policies issued or renewed on or after January 1, 2026. It is a no-fault state, so every policy also includes at least $10,000 of personal injury protection that pays your medical costs regardless of fault.
Minimum coverage in Hawaii
$40,000
Bodily injury per person
$80,000
Bodily injury per accident
$20,000
Property damage
Bodily injury liability $40,000 per person / $80,000 per accident
Property damage liability $20,000 per accident
Personal injury protection (PIP) $10,000
Shown as 40/80/20 + PIP 10,000. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Hawaii
- Review your renewal to confirm your policy reflects the new 40/80/20 minimums.
- Uninsured/underinsured motorist coverage adds protection beyond what PIP pays.
- Comprehensive coverage helps with theft, flooding and storm damage on the islands.
- Ask about multi-policy and safe-driver discounts when comparing island insurers.
We connect drivers across Hawaii
Including Honolulu, Pearl City, Hilo, Kailua and Kahului — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Hawaii car insurance FAQ
Yes. Hawaii is a no-fault state, so after most accidents your own personal injury protection (PIP) pays for your injuries first, regardless of who caused the crash. Lawsuits are limited unless injuries meet the state's threshold.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.