Hawaii Car Insurance Laws—All You Need to Know

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Hawaii law requires all drivers to have liability coverage and personal injury protection (PIP) insurance. Drivers in Hawaii also need to carry proof of insurance while driving.
Hawaii’s mandated limits for liability insurance follow a 20/40/10 pattern, which means all drivers must have $20,000 in bodily injury coverage per person, $40,000 in bodily injury coverage per accident, and $10,000 in property damage coverage per accident.
Paying for car insurance in Hawaii can be a big financial undertaking, which is why you should make sure you’re getting the best coverage for the most affordable price by using Jerry.
Jerry is a car insurance comparison app that makes your life easy by doing all the comparison shopping for you, so you can find the best policy—without spending hours on end contacting different companies. The best part? The average Jerry driver saves $879 a year on car insurance.
Here’s all you need to know about car insurance while driving in Hawaii.
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Car insurance requirements in Hawaii

Liability coverage and personal injury protection (PIP) are required for all drivers in Hawaii. Drivers are also required to show proof of insurance to any law enforcement officer who asks to see it.
Minimum Liability Coverage: 20/40/10Personal Injury Protection (PIP)
$20,000 bodily injury per person$10,000 per person
$40,000 bodily injury per accident
$10,000 property damage per accident

Liability coverage in Hawaii

Liability coverage covers medical bills and damages for other drivers in an accident where you are at fault.
Hawaii’s minimum liability coverage follows a 20/40/10 pattern: $20,000 in bodily injury coverage per person, $40,000 in bodily injury coverage per accident, and $10,000 in property damage coverage per accident.
Liability coverage does not cover damages to your vehicle or your own medical expenses for an accident where you are at fault. For that sort of coverage, you’ll need to use your PIP coverage—or purchase additional coverage, like comprehensive coverage.

Personal injury protection (PIP) in Hawaii

Hawaii is a no-fault state, which means you have to have PIP and exhaust your own PIP limits before the at-fault driver is liable for additional medical expenses.
Personal injury protection (PIP) covers your own medical expenses regardless of who is at fault in an accident.
Hawaii’s mandated limit for PIP is $10,000 per person. But, you can opt-in for a higher PIP limit with your insurance provider—it will just raise your premium a little bit.
Key Takeaway All Hawaii drivers must have liability coverage and personal injury protection (PIP). It’s a good idea to purchase higher limits for your liability and PIP coverages, as well as additional car insurance coverage.

State-mandated car insurance limits

A “limit” is the maximum amount of coverage your provider will give you in each coverage category. The state-mandated insurance limits for Hawaii are 20/40/10 for liability coverage and $10,000 for personal injury protection.
These are Hawaii’s minimum limits—you can purchase higher limits for liability coverage and PIP when you buy your auto insurance.

Do Hawaii’s required insurance minimums provide enough coverage?

When compared with other U.S. states, Hawaii’s insurance minimums aren’t high.
For instance, a $40,000 bodily injury liability limit per accident can quickly be exhausted in a bad collision injuring multiple people (hospital bills aren’t cheap). Remember—after your insurance limit is reached, you will be legally liable for any additional expenses.
It’s always a good idea to purchase the highest limits you can reasonably afford. Higher limits will often mean only a slight increase in your monthly premiums, but they could make a big difference down the road if you’re at fault for a bad accident.
If you’re interested in buying higher limits, use the insurance comparison app Jerry to find the lowest rates for your car insurance.

Optional auto insurance coverage in Hawaii

While it’s a good idea to purchase higher insurance limits than Hawaii’s mandated limits, you should also look into purchasing additional forms of coverage:
  • Comprehensive coverage can cover the costs of physical damages to your vehicle that are not the result of a collision (e.g. vandalism).
  • Collision coverage can help you cover the cost of repairs for your vehicle after a collision with another vehicle or fixed object.
  • Medical payments coverage covers the cost of medical bills or funeral expenses resulting from a collision.
  • Roadside assistance helps with things like fixing flats, towing, or jump-starting a car. The type of coverage will vary between policies and companies.
  • Rental car reimbursement will cover the cost of a rental vehicle if you are unable to drive your car.

Penalties for driving without insurance in Hawaii

Hawaii enforces various penalties for drivers who drive without insurance or proof of insurance:
First OffenseSubsequent Offenses
$500 fine, or optional 75-100 community service hours$1500 (or more) fine, or optional 200-275 community service hours
License suspension for 3 monthsLicense suspension up to 1 year
SR-22 filing for up to 3 yearsPotential jail time up to 30 days
Vehicle registration suspended
SR-22 filing for up to 3 years
Not only are there legal penalties for driving without insurance in Hawaii, but driving without insurance is a huge financial risk and can have devastating consequences if you are at fault in a collision and have to pay out-of-pocket liabilities.
The insurance comparison app Jerry can help you make sure you’re fully insured without breaking the bank for coverage.
Key Takeaway There are various penalties for driving without insurance in Hawaii, so make sure you are adequately insured with Hawaii’s required coverage. Hawaii’s mandated insurance limits aren’t high, so look into purchasing higher limits and any optional coverage you may want to purchase.

Where to buy car insurance in Hawaii

Looking to get car insurance in Hawaii? As it’s one of the most expensive states to live in, you’re probably not stoked about having to fork over cash for monthly insurance premiums.
Jerry is here to make your life easier—and cheaper.
Jerry is an insurance comparison and broker app that compiles car insurance quotes so you can look at all your cheapest options—all in one place.
After putting in your information (which takes less than a minute), browse through quotes from up to 40 top insurance providers to find the policy that best suits your needs (and budget). Jerry does all the calls and paperwork for you, and will even do the heavy-lifting to cancel your old policy if you’re switching over.
The average Jerry customer saves nearly $900 a year on car insurance—and it’s always 100% free to use! Now that’s a deal we can all get excited about.
“Jerry saved me $100 a month! Jerry asks basic questions and then shows you insurance companies offering policies with the coverage you want! Select which policy and they will do the rest!” —Satisfied Jerry user
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Is car insurance required in Hawaii?

Yes. All drivers in Hawaii must have the state-mandated limits for liability coverage and personal injury protection (PIP).

Does my car insurance cover me in Hawaii?

If you’re traveling from out of state with your car—yes, your insurance will still be valid.
But, odds are if you are visiting Hawaii you’ll be using a rental car. If you’re driving a rental vehicle, you will need to purchase rental car insurance.
This may come automatically with the price of your rental car, but it’s a good idea to look into additional coverage.
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