Auto Insurance in Hawaii
No-Fault / PIP State — Hawaii drivers pay an average of $1,020/year for full-coverage auto insurance — one of the cheapest states in the nation for cost.
Hawaii Minimum Liability Requirements
State law requires a minimum of 20/40/10 (PIP $10K required) (bodily injury per person / per accident / property damage). These minimums are the legal floor — not a recommendation. A single serious accident can easily exceed these limits and expose you to personal liability.
Key Hawaii Auto Insurance Factor
Hawaii is a no-fault state with one of the nation's lowest average auto premiums. Low speed limits, minimal extreme weather, and low traffic density keep costs down.
What Full Coverage Includes in Hawaii
- Liability: Covers injuries and property damage you cause to others (required by law)
- Collision: Covers damage to your vehicle from an accident
- Comprehensive: Covers theft, weather, fire, and non-collision damage
- PIP (Personal Injury Protection): Required in Hawaii — covers your medical bills regardless of fault
- Uninsured/Underinsured Motorist: Protects you from drivers with no or insufficient coverage
Frequently Asked Questions
What is the average cost of auto insurance in Hawaii?
The average annual cost of full-coverage auto insurance in Hawaii is $1,020/year. Rates vary based on your driving record, vehicle type, ZIP code, age, and coverage levels. Use our estimator above to get a personalized figure.
What are Hawaii's minimum auto insurance requirements?
Hawaii requires minimum liability coverage of 20/40/10 (PIP $10K required) (bodily injury per person / per accident / property damage). Hawaii is a no-fault state, so PIP coverage is also required. These are legal minimums — most financial experts recommend carrying significantly higher limits.
Is Hawaii a no-fault auto insurance state?
Yes, Hawaii is a no-fault state. This means your own PIP (Personal Injury Protection) coverage pays for your medical expenses after an accident regardless of who was at fault. Hawaii is a no-fault state with one of the nation's lowest average auto premiums. Low speed limits, minimal extreme weather, and low traffic density keep costs down.
How can I lower my auto insurance premium in Hawaii?
Common ways to reduce your premium in Hawaii include: maintaining a clean driving record, bundling auto and home insurance, raising your deductible, qualifying for good driver or good student discounts, and shopping multiple insurers annually. Use the estimator above to see how different coverage levels affect your estimated premium.