Short answer: Every driver in Hawaii must carry at least this coverage. The minimums are in the table below. It’s a no-fault state: your own personal injury protection pays first for your injuries, whoever caused the crash. Requirements checked against the Hawaii Insurance Division (October 2026).
Hawaii car insurance requirements
The minimum limits for Hawaii policies:
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | $40,000 per person / $80,000 per accident |
| Property damage liability | $20,000 per accident |
| Personal injury protection (PIP) | $10,000 per person |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing. Compare Hawaii with every other state.
What Hawaii drivers should know
- Hawaii requires at least 40/80/20 liability coverage, plus the other coverages in the table. Those limits are low compared with today’s medical and repair costs, so most drivers choose more.
- Hawaii doubled its minimum liability limits on January 1, 2026 — from 20/40/10 to 40/80/20 — for new and renewing policies.
- Hawaii is a no-fault state: your PIP pays your own medical costs first. Insurers can’t use your credit score or gender to set car insurance prices.
Home insurance in Hawaii
- Hurricanes and tropical storms are the biggest risk; many policies carry a separate named-storm or wind deductible, often a percentage of the home’s value.
- Flood damage — including storm surge — is never covered by home insurance. Buy a separate flood policy, especially near the coast or in low-lying areas.
- On the Big Island, homes in high lava-hazard zones may need coverage through the Hawaii Property Insurance Association.
Ways to save in Hawaii
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.
