Hawaii Car Insurance
Hawaii's minimum requirements, average cost, and a free premium estimate — no signup, no quote spam.
Minimum liability
20/40/10
+ PIP
Avg. full coverage
$1,500/yr
Liability system
no-fault
Estimate your Hawaii premium
Estimated annual premium
$1,080
Estimate uses national-average factors. Real quotes vary 30-50% across carriers — always compare 3+.
Hawaii car insurance requirements
Hawaii is a no-fault state requiring 20/40/10 plus PIP, but it bars insurers from using gender or age as rating factors, keeping premiums relatively low.
Those are only the legal minimums. Minimum liability often isn't enough to cover a serious crash, so many drivers carry higher limits plus collision and comprehensive — especially on a newer or financed vehicle.
Hawaii car insurance FAQ
What is the minimum car insurance required in Hawaii?
Hawaii requires at least 20/40/10 in liability coverage + PIP — that's $20k bodily injury per person, $40k per accident, and $10k property damage. Hawaii is a no-fault state requiring 20/40/10 plus PIP, but it bars insurers from using gender or age as rating factors, keeping premiums relatively low.
How much does car insurance cost in Hawaii?
Full-coverage car insurance in Hawaii averages roughly $1,500 per year, but your rate depends heavily on age, driving record, vehicle, and ZIP code. Use the estimator above and always compare at least three carriers.
Is Hawaii a no-fault state?
Hawaii is a no-fault state. Each driver's own PIP coverage pays their medical bills regardless of who caused the crash.
Why is car insurance relatively cheap in Hawaii?
At about $1,500/yr, Hawaii is cheaper than most states — usually thanks to lower population density, fewer claims, and less congestion. You can often go lower still by bundling home and auto and keeping a clean record.
What's the cheapest way to insure a car in Hawaii?
Carry at least the 20/40/10 legal minimum, then lower cost by comparing 3+ carriers, bundling policies, raising your deductible, asking about low-mileage and safe-driver discounts, and keeping your credit healthy. Dropping collision/comprehensive only makes sense on an older, paid-off car.