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Hawaii car insurance

Hawaii Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

Hawaii mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times.

Drivers must submit proof of insurance before they can register their vehicle.

Hawaii Minimum Liability Coverage
Each state sets its own minimum liability amounts. In Hawaii they are as follows:

  • Bodily Injury for One Person: $20,000
  • Bodily Injury for All Injuries: $40,000
  • Property Damage: $10,000
  • Personal Injury Protection (PIP): $10,000

Hawaii Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

Hawaii does not require this coverage.

No Fault Insurance
Hawaii is considered a No-Fault state however, that only applies to bodily injury and Hawaii also has a monetary limit of $5000. Consequently, if you encounter medical bills in excess of $5000, you may be able to file a claim against the other driver.

Moreover, Hawaii also requires residents to carry $10,000 worth of PIP coverage.