Hawaii car insurance requirements
Every driver in Hawaii must carry at least this coverage. It’s a no-fault state: your own personal injury protection pays first for your injuries, whoever caused the crash.
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | $20,000 per person / $40,000 per accident |
| Property damage liability | $10,000 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.
What Hawaii drivers should know
- Hawaii requires at least 20/40/10 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 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.