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Hawaii Car Insurance Information

Requirement : Yes

Financial responsibility is required in Hawaii . Drivers must have a minimum of liability insurance and Personal Injury Protection (PIP) coverage. *Hawaii is a no-fault insurance state, your provider will pay your medical costs up to the policy limits, regardless of who caused the accident.

Minimum Coverage Car Insurance Requirements:

A minimum liability and Personal Injury Protection coverage is required:

    • $20,000 for bodily injury to one person.
    • $40,000 for bodily injury per accident.
    • $10,000 for property damage liability per accident.
  • Personal Injury Protection (PIP) – No-fault insurance helps with certain costs resulting from a car accident, no matter who’s at fault.
    • $10,000 for bodily injury per accident.

Other Car Insurance Coverage Options:

Liability and PIP coverage are the only requirements for Hawaii motorist to have, there are several other types of coverage available to drivers:

  • Collision – Covers damages to your vehicle due to an accident.
  • Comprehensive – Covers damages due to your non-accident related damages to your car, such as inclement weather.
  • Uninsured/Underinsured motorist coverage – Covers you in case you’re involved in an accident with an uninsured party, or they don’t have adequate coverage. *The provider must offer Uninsured/underinsured coverage, you may decline this option.

  • Note: Comprehensive and or collision coverage is optional, unless the vehicle is being financed or leased, the lending/leasing agency may require you to purchase comprehensive and collision coverage.

Other Forms of Financial Responsibility:

Other legal ways around buying car insurance include: There are no alternative forms of financial responsibility. Hawaii requires all drivers to have minimum coverage.

Proof of Insurance: Yes

You must carry proof of financial responsibility with your vehicle at all times.

Valid forms of proof of financial responsibility include:

  • Insurance card.

Getting Pulled Over:

Violations, Fines & Penalties:

  • If you’re pulled over by a police officer, you must show your proof of insurance, along with your driver’s license and car registration.

Violations, Fines & Penalties:

  • $500 fine for first offense.
  • $1,500 minimum - $5,000 maximum fine for second offense within 5 years.
  • Imprisonment of up to 30 days, revocation of registration plates, impoundment or sale of the motor vehicle for multiple convictions within 5 years.

Credit Scores & Determining Your Insurance Premium :

All Hawaii drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. Drivers unable to get private coverage can purchase insurance through Hawaii’s joint underwriting plan.

Other factors that may be used to determine your premiums include:

  • Driving history
  • Make, model of car
  • Age
  • Gender
  • Neighborhood or city of residence
  • Deductible

Discounts : Yes

Discounts available in Hawaii:

  • Good driver discount
  • Good student discount
  • Anti-theft device discount
  • Safety device discount

Cellphone Use:

All drivers under the age of 18 are banned from cellphone use. All drivers are banned from texting while driving. Cellphone and texting violations are considered primary offenses. Violators face a $297 fine, or $307 if the driver is cited while in a school or construction zone.

Hawaii Minimum Coverage Laws

Carriers in Hawaii

Full Insurance Laws for Hawaii