Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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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: Sep 8, 2020

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Key takeaways...

  • Hawaii operates under no-fault car insurance laws 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

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.

Table of Contents

Hawaii Car Insurance Requirements

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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.

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.

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Hawaii Car Insurance Companies

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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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.

ZIP codes affect auto insurance because of factors like traffic, crime to name a few. Find out how your ZIP code stacks up in HI.

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