Car Insurance in Hawaii: 2026 Rates & Requirements

Hawaii requires some of the highest bodily injury liability limits in the country - $40,000/$80,000, raised further in 2026 - plus mandatory PIP, yet still keeps average premiums closer to the national middle than the state's high minimums might suggest.

Minimum Insurance Requirements in Hawaii

Hawaii requires drivers to carry at least $40,000/80,000 in bodily injury liability (per person / per accident) and $20,000 in property damage liability. Hawaii requires $10,000 in Personal Injury Protection (PIP) in addition to its liability minimums, which were raised in 2026. Hawaii is a no-fault state: your own PIP coverage pays your medical bills after an accident regardless of fault, and your right to sue the at-fault driver for pain and suffering is limited to more serious injuries. These are legal minimums, not a safety net for your own finances — most independent advisors recommend carrying meaningfully higher limits than the state requires, especially if you own a home or have savings to protect.

What Drives the Cost of Car Insurance in Hawaii

Honolulu and Oahu account for the large majority of the state's population and traffic, and premiums there run above what drivers on the other islands typically pay. As a no-fault state, the $10,000 PIP requirement means every driver's own insurer covers their medical bills after an accident regardless of fault. Vehicle shipping costs between islands and a limited number of repair shops in some areas can also push up the cost of parts and labor for claims, a factor fairly unique to Hawaii's insurance market compared to the mainland.

Get Your Own Hawaii Estimate

The figures above are state averages for a 35-year-old driver with a clean record and full coverage — useful as a benchmark, but your own rate depends on your exact ZIP code, vehicle, driving history, and coverage choices. Run your own free, no-signup estimate below, pre-filled for Hawaii.