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Hawaii Auto Insurance Rates & Minimum Coverage Guide

Hawaii requires 20/40/10 minimum liability coverage — $20,000 per person for bodily injury, $40,000 per accident, and $10,000 for property damage. Minimum coverage costs $65–$95/month, while full coverage averages $180–$240/month based on available industry data.

Teen Drivers — insurance-related stock photo

Updated March 2026

State Requirements

Hawaii operates as a no-fault state with mandatory Personal Injury Protection (PIP), which requires drivers to carry $10,000 in PIP coverage to pay for their own medical expenses regardless of fault. The state requires continuous proof of financial responsibility through motor vehicle insurance identification cards, and police can request verification during traffic stops. Unlike most states, Hawaii mandates PIP coverage in addition to liability minimums, increasing baseline policy costs.

Cost Overview

Hawaii's insurance costs run higher than the national average due to its isolated geography, limited competition among insurers, and mandatory PIP coverage. Rates vary significantly between islands — Oahu drivers typically pay 15–25% more than those on the Big Island due to higher traffic density and theft rates in Honolulu.

Minimum Coverage
Includes only state-required 20/40/10 liability and $10,000 PIP. Leaves you personally liable for any damages exceeding these low limits, and provides zero protection for your own vehicle.
Standard Coverage
Raises liability to 100/300/100 and adds uninsured motorist coverage. Still excludes collision and comprehensive, so your vehicle has no physical damage protection.
Full Coverage
Adds collision and comprehensive with a $500–$1,000 deductible. Only cost-justified if your vehicle is worth more than 10 times the annual premium — for most cars over 10 years old, you'll pay more in premiums than the car is worth.

What Affects Your Rate

  • Island location: Oahu drivers pay $20–$35/month more than Big Island residents due to Honolulu's congestion and vehicle theft rates, which are triple the statewide average.
  • Distance to work: Hawaii's compact geography means most drivers qualify for low-mileage discounts — commutes under 10 miles can reduce premiums by 10–15%.
  • Vehicle age: Cars over 10 years old see collision/comprehensive premiums drop by 40–60%, but repairs still cost 20–30% more than mainland due to parts shipping to the islands.
  • Credit score: Hawaii allows credit-based insurance scoring, and drivers with poor credit pay 50–80% more than those with excellent credit for identical coverage.
  • No-fault surcharge: Hawaii's mandatory PIP adds a flat $180–$360/year to every policy regardless of driving record, a cost that tort states do not impose.

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Find Your City in Hawaii

Honolulu, Hawaii cityscape and street view

Honolulu

urban
City skyline reflected in water at sunset with golden light and purple-orange sky

Pearl City

suburban
Sunset on tropical beach with pebbles, tree silhouette, and golden light reflecting on wet sand

Hilo

urban
Aerial view of tropical coastal town with bay, green hills, and blue ocean under cloudy sky

Kailua

suburban
Aerial view of lush green coastal cliffs and volcanic ridges meeting the ocean under blue sky

Waipahu

suburban

Frequently Asked Questions

Sources

  • Hawaii Department of Commerce and Consumer Affairs Insurance Division — https://cca.hawaii.gov/ins/
  • Insurance Research Council uninsured motorist studies
  • National Association of Insurance Commissioners (NAIC) state profile data

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