Beautiful Hawaii can be a fun place to drive in. But be forewarned, if you want to drive a motor vehicle in this picturesque state, you need to be properly insured.

Hawaii Auto Insurance Requirements

As a driver in a “No-Fault” state, such as Hawaii, when you are involved in an auto accident, your Personal Injury Policy, or PIP (required by law to carry at least $10,000), will pay for your own medical expenses (up to the covered amount) while the other driver’s PIP will cover their personal medical expenses, regardless of who is at fault. However, your ability to sue the other party, unless the injuries are severe, is pretty much gone.

To cover property damages, you are required to carry liability insurance with minimum levels of 20/40/10 (see the chart below).

Hawaiian motor vehicle operators may increase their PIP policy to cover lost wages, alternative medical benefits, as well as death and funeral coverage.

Additional add-ons for asset protection are also optional for Hawaiians to purchase, such as collision, comprehensive, and/or uninsured and underinsured motorist bodily injury coverages.

Coverage Type Required? Minimum Coverage Amount Required
Bodily Injury Liability Yes $20,000 per person

$40,000 per accident

Property Damage Liability Yes $10,000
Uninsured Motorist Bodily Injury No $20,000 per person

$40,000 per accident

Underinsured Motorist Bodily Injury No $20,000 per person

$40,000 per accident

Personal Injury Yes $10,000

Auto Insurance for Leased Vehicles in Hawaii (HI)

Most leasing companies in Hawaii typically require drivers to maintain insurance coverage which exceeds the minimums set by Hawaii state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage for a leased vehicle:

  • Bodily injury liability coverage: $100,000 per person/$300,000 per accident
  • Property damage liability coverage: $50,000
  • Comprehensive and collision coverage: $500 maximum deductible

Insurance Agents By City/Town In Hawaii

State of Hawaii Department of Commerce & Consumer Affairs: Insurance Division

PO Box 3614
Honolulu, HI 96811