Auto Insurance in Hawaii

Auto insurance is a necessary expense for drivers in Hawaii. It is mandatory by law and provides valuable protection in case of accidents, theft or damage to your vehicle. Hawaii has several unique laws and regulations governing auto insurance. In this article, we will explore the auto insurance laws in Hawaii, types of coverage available, factors that affect your premium, and some frequently asked questions.

Laws and Regulations

Before purchasing auto insurance in Hawaii, it is important to understand the laws and regulations governing it. Hawaii is a no-fault state, which means that regardless of who is at fault in an accident, each driver’s insurance company pays for their own damages and medical expenses. This system is intended to reduce lawsuits and court costs.

In Hawaii, drivers are required to carry liability coverage of at least $20,000 per person, $40,000 per accident for bodily injury, and $10,000 for property damage. This coverage pays for damages and injuries you may cause to others in an accident. Additionally, Hawaii requires drivers to carry personal injury protection (PIP) coverage of at least $10,000. PIP covers medical expenses, lost wages, and other related expenses for you and your passengers in case of an accident.

Uninsured/underinsured motorist coverage is not required in Hawaii but it is highly recommended. This type of coverage protects you in case you are hit by a driver who does not have insurance or does not have enough insurance to cover your damages.

Types of Coverage

Besides the mandatory coverage, there are several optional types of coverage available in Hawaii. These include:

  1. Collision coverage: Pays for damages to your vehicle in case of an accident, regardless of who is at fault.
  2. Comprehensive coverage: Covers damages to your vehicle caused by events other than collisions, such as theft, vandalism, and natural disasters.
  3. Rental car coverage: Pays for the cost of renting a car while your vehicle is being repaired.
  4. Roadside assistance: Provides services such as towing, locksmith, and fuel delivery in case of vehicle breakdowns

It is important to assess your needs and budget before deciding which types of coverage to purchase. A higher coverage may result in a higher premium, but it can also provide more protection in case of accidents or other events.

Factors Affecting Your Premium

The premium for your auto insurance policy in Hawaii depends on several factors. These include:

  • Driving record: Drivers with a clean driving record usually pay lower premiums than those with a history of accidents or traffic violations.
  • Age and gender: Younger drivers and male drivers usually pay higher premiums than older and female drivers.
  • Type of vehicle: High-end or sports cars usually have higher insurance premiums than standard vehicles.
  • Location: Drivers in urban areas with higher rates of accidents and theft may pay higher premiums than those in rural areas.

It is important to compare quotes from different insurance companies and to ask about discounts or special programs that may apply to you, such as safe driver discounts, multi-policy discounts, or low-mileage discounts.

Frequently Asked Questions (FAQ)

What is the minimum coverage required in Hawaii?
Drivers in Hawaii are required to carry liability coverage of at least $20,000 per person, $40,000 per accident for bodily injury, and $10,000 for property damage, as well as personal injury protection (PIP) coverage of at least $10,000.
Do I need uninsured/underinsured motorist coverage in Hawaii?
Uninsured/underinsured motorist coverage is not required in Hawaii but it is highly recommended.
What types of optional coverage are available in Hawaii?
Optional coverage in Hawaii includes collision coverage, comprehensive coverage, rental car coverage, and roadside assistance.
What factors affect my auto insurance premium in Hawaii?
Several factors affect your premium, including your driving record, age and gender, type of vehicle, and location.
How can I save money on my auto insurance in Hawaii?
You can save money by comparing quotes, asking about discounts, and choosing a higher deductible.


Auto insurance is an important expense for drivers in Hawaii, providing valuable protection in case of accidents, theft, or damage. Understanding the laws and regulations, types of coverage available, and factors that affect your premium can help you make informed decisions when purchasing insurance. Be sure to compare quotes, ask about discounts, and choose the coverage that best suits your needs and budget.