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Hawaii- Auto Insurance

Each state has different requirements, so it is important to realize that your premiums could rise or fall depending on where you live.


  • Hawaii is a “no-fault” state which means your auto insurance company will pay for injuries to you and your passengers up to the personal injury coverage outlined in your policy. “No-fault” also means you can’t sue or be sued, unless there are serious injuries
  • In Hawaii, coverages have to provide at least $10,000 per person for personal injury, $20,000 per person/$40,000 per accident bodily injury, and $10,000 per occurrence property damage liability.
  • You have the right to decline uninsured motorist coverage in writing, or you may purchase a minimum of $20,000 per person uninsured motorist coverage, which will pay for serious injury or death if the at-fault driver doesn’t have insurance.
  • State law in Hawaii mandates that your vehicle have at least minimum coverage. You are required to retain proof of insurance in your car at all times.
  • You could be ticketed or fined if you fail to provide proof of insurance  when requested. If you fail to get coverage for your vehicle, you are required to surrender the car’s registration and license plates.


Physical Address:
Hawaii Insurance Div.
King Kalakaua Building
335 Merchant Street, Rm. 213
Honolulu, Hawaii 96813
Phone: 1-808-586-2790

Mailing Address:
Hawaii Insurance Div.
P.O. Box 3614
Honolulu, Hawaii 96811

Web Site:

Hawaii (HI) Mandatory Auto Insurance Minimums:

  • Liability: 20/40/10 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
  • Other Mandatory Insurance: Personal Injury Protection — No-Fault State
  • Regulations Regarding Proof of Insurance: Proof Required – If Involved In An Accident, If Stopped By Authorities When Driving
  • Penalties For Not Carrying Mandatory Insurance: Fine up
    to $500

Inside Hawaii- Auto Insurance