Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 11, 2021

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Key takeaways...

  • Hawaii is a no-fault state for car insurance and every driver is required to carry mandatory minimum levels of liability coverage and have proof of insurance with the vehicle at all times
  • Since Hawaii is a no-fault car insurance state all drivers must have personal injury protection in addition to liability insurance
  • Make sure to compare multiple insurance quotes to ensure you are getting the best rate

What is the minimum coverage requirement for auto insurance in Hawaii?

Minimum auto insurance coverage and rates vary from state to state. Compare state to state below:

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Hawaii operates under no-fault car insurance laws and every driver is required to carry mandatory minimum levels of liability coverage and has proof of insurance with the vehicle at all times.

Failure to do so can result in fines, suspension of your vehicle registration and/or personal liability for damage/injuries resulting from a car accident.

Hawaii is a no-fault car insurance state. Need Hawaii car insurance quotes? Use our free rate tool to find the best insurer for your needs.

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Hawaii Car Insurance Requirements


Since Hawaii is a no-fault car insurance state all drivers must have personal injury protection in addition to liability insurance. Car insurance laws in Hawaii currently (2010) require all drivers to have the following minimum levels of coverage:

  • $10,000 personal injury protection (per person)
  • $20,000 / $40,000 bodily injury liability
  • $10,000 property damage insurance

Hawaii car insurance laws also require car insurance companies to inform consumers of their right to purchase uninsured/underinsured coverage (UM/UIM car insurance) although consumers have the option of declining such coverage. UM/UIM coverage ensures you do not have to pay for expensive repairs and medical costs if you’re involved in an accident with an underinsured or uninsured motorist.

Even with no-fault car insurance laws, minimum Hawaii car insurance requirements are far lower than most consumers really need so most drivers opt for additional coverage.

Average Monthly Car Insurance Rates in HI (Liability, Collision, Comprehensive)

Your average monthly car insurance rates may not increase as much as you might think by adding additional coverage like comprehensive. Review rates for auto insurance coverage below:

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Expanded policy limits well above $100,000 are usually available for additional premium.

You can also save money on your car insurance by asking about insurance discounts. Many auto insurance companies offer discounts to senior citizens, multi-policy discounts, and a lot more. The cheapest option may come down to which auto insurance provider can offer you the best discounts.

What other kinds of car insurance should you buy in Hawaii?

Many drivers opt to purchase more than the minimum liability insurance required by law. You might also wish to get collision coverage and comprehensive coverage added to your policy to make sure you’re fully protected.

Collision insurance covers damages related to an accident, while comprehensive insurance covers things like theft and damage from inclement weather or a natural disaster.

What car insurance companies are available in Hawaii?

In relation to the number of car insurance companies licensed in other states, Hawaii has the lowest number of licensed car insurance companies with just over 40 providers.

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This can have advantages and disadvantages so car insurance comparison is critical if you live in the State of Hawaii.

On average, Hawaii drivers pay about 10 percent less than the national average car insurance premium but you still need to shop around in order to know you have the best coverage available.

Who are the largest auto insurance companies in Hawaii?

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Compare Car Insurance Companies

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How much are Hawaii car insurance quotes?

Many Hawaii drivers start car insurance comparison online, however, there are still a large number of drivers who simply contact a local agent.

Auto insurers look at a variety of factors when setting auto insurance rates, including a person’s driving record, credit history, location, and age.

ZIP codes affect auto insurance because of factors like traffic, crime to name a few. The most expensive cities in Hawaii for car insurance are Waipahu, Ewa Gentry, and Honolulu. For comparative purposes, take a look at the rates below to see how your ZIP code stacks up against others.

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While using a local car insurance agent can have many advantages it does restrict your ability to learn about car insurance freely and gather a full list of car insurance companies without possible undue influence.

Some states have banned discrimination based on your credit score when it comes to auto insurance rates, and this is one of those states.

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Consumers should always visit the Department of Hawaii’s Commerce Division website and learn more about how to get auto insurance in Hawaii before choosing a provider.

Average Monthly Car Insurance Rates by Age & Gender in HI

Some states have banned discrimination based on gender for car insurance rates, and this is one of those few states. As you can see the rate for males and females is the same, but the rate still varies with age.

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If you’re looking for the cheapest car insurance rates, make sure to shop around and get quotes from multiple auto insurance providers.

Ready to start Hawaii car insurance comparison? Enter your ZIP code and get FREE Hawaii car insurance quotes online!