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Hawaii is a no-fault state. Drivers must carry at least 20/40/10 + $10,000 PIP in coverage, and the average full-coverage premium is $983 a year, about 33% below the national average in MoneyGeek's data. This guide covers what Hawaii requires, what drivers pay, the rules on fault, uninsured drivers, penalties, teen drivers and phone use, and how to pay less.
| Minimum coverage | 20/40/10 + $10,000 PIP |
| Fault system | No-fault |
| Average full coverage | $983 a year ($82 a month), about 33% below the national average in MoneyGeek's data |
| Uninsured drivers | 9.6% (2023), the 41st highest rate of 51 |
| Filing after serious violations | Proof of financial responsibility, if ordered |
Hawaii requires $20,000 bodily injury liability per person, $40,000 per accident, $10,000 property damage liability, and $10,000 per person of personal injury protection for medical and rehabilitation costs (Hawaii Department of Commerce and Consumer Affairs, Insurance Division, "Motor Vehicle Insurance Information").
The minimums are a legal floor, not a recommendation. Property damage limits in particular don't go far when a new car can cost more than the limit to replace, and anything above your limits is your personal responsibility. See how limits and deductibles work and every type of coverage explained.
The average full-coverage premium in Hawaii is $983 a year, about 33% below the national average in MoneyGeek's data (MoneyGeek, "Average Car Insurance Cost in Hawaii," updated August 19, 2026). Experian's national state ranking doesn't include Hawaii.
Within Hawaii, prices still vary a lot by ZIP code, driving record and car, and 9.6% of drivers on Hawaii roads were uninsured in 2023, so the coverage you choose matters as much as the premium.
Your own price depends on your ZIP code, age, driving record, car and coverage. See what determines your car insurance cost, then compare real quotes for your address.
Hawaii is a no-fault state: your own insurer pays your and your passengers' medical bills up to the personal injury protection limit, whoever caused the crash, and you can't sue or be sued for injuries unless they are serious.
An estimated 9.6% of Hawaii drivers were uninsured in 2023, the 41st highest rate among the 50 states and D.C. (Insurance Research Council, uninsured motorist estimates for 2023, via Insurance Information Institute "Facts + Statistics: Uninsured motorists"). Uninsured and underinsured motorist coverage protects you when one of them hits you. See coverage types.
Your vehicle must be insured for the whole registration period, and you must keep a valid Hawaii insurance identification card in the vehicle at all times. If the vehicle isn't insured, you must surrender its registration and plates to the county director of finance. (Hawaii Department of Commerce and Consumer Affairs, Insurance Division)
A first conviction for having no insurance in effect carries a $500 fine. The judge can reduce it if you show a current policy, or allow 75 to 100 hours of community service instead. Penalties rise for later convictions. (Hawaii Revised Statutes §431:10C-117)
A conviction for driving uninsured also follows you into your next policy. In CarInsurance.com's rate analysis, it raised the average full-coverage premium in Hawaii from $1,517 to $1,802 a year, an increase of 19% (CarInsurance.com, "Penalty for driving without insurance in every state," updated March 24, 2026; rate analysis).
Beyond the penalties, driving uninsured leaves you personally liable for any damage you cause. See what happens if you drive without car insurance.
If a Hawaii court or the licensing authority requires proof of future financial responsibility after a serious violation, your insurer files it for you, and it must stay in force for the whole required period.
Hawaii doesn't allow insurers to use gender or credit-based insurance scores to set car insurance rates, so your driving record, mileage, car and ZIP code carry more weight. (AgentSync (2026); Experian (2026))
Hawaii uses graduated driver licensing (Insurance Institute for Highway Safety, "Graduated licensing laws" table):
Adding a teen is usually the biggest single increase in a family's premium. Keeping them on the family policy, a good-student discount and a safe, modest car help most.
A distracted-driving ticket can count against your record and your premium. (Insurance Institute for Highway Safety, "Electronic device laws" table)
See how to compare car insurance quotes, or get quotes for your ZIP code.
For questions about a policy, a claim or an insurer's conduct, contact the Hawaii Insurance Division (Department of Commerce and Consumer Affairs). It handles consumer questions and complaints about insurers in Hawaii.
AutoInsuranceQuery editorial team. Last reviewed: September 29, 2026.
