Does Hawaii require minimum car insurance coverage?

If you live and drive in Hawaii, you are legally required to carry liability coverage limits of at least:

  • $20,000 in bodily injury liability
  • $40,000 in total bodily injury per accident
  • $10,000 in property damage liability

Hawaii also requires personal injury protection:

  • $10,000 per accident

Personal injury protection or PIP, covers medical services resulting from an auto accident, regardless of fault.

Every Hawaiian driver needs bare minimum coverage to get behind the wheel, but consider increasing your liability coverage limits to better safeguard your assets.

Consider comprehensive and collision coverage

If you're leasing or financing your car, your lender likely requires comprehensive and collision coverage. But even if you own your vehicle outright, physical damage coverages can be worth carrying to help pay to repair or replace your ride if it's stolen or damaged in an accident.

With Progressive's Name Your Price® Tool, you set your price. Let us know how much you're able to pay each month, and we'll show you coverage options in that range. Learn more about our Name Your Price Tool.

How much does Hawaii auto insurance cost?

In 2020, the average Progressive liability-only auto insurance policy in Hawaii cost $114.* Rates vary based on several factors, including your driving history, zip code, and coverage selection.

Can I qualify for discounts on my car insurance?

Progressive offers the following discounts and incentives for Hawaii drivers:

  • Continuous insurance
  • Paperless
  • Five-year accident-free
  • Multi-car
  • Three-year safe driving
  • Electronic Funds Transfer (EFT)
  • Homeowner
  • Online quote

See all auto insurance discounts.

Fast facts about driving in Hawaii:

  1. Over 10% of drivers in Hawaii are uninsured. Hawaii doesn’t mandate uninsured motorist coverage, but consider adding it for protection against drivers with no car insurance.

  2. In 2019, Hawaii increased fines and license-suspension lengths for first-time DUI offenders. Learn more about auto insurance coverage with a DUI violation on your driving record.

  3. Hold your horn. There's one sound absent from many Hawaiian roads: a car horn. In Hawaii, honking your horn is considered very rude unless it's an actual emergency.

How to get car insurance in Hawaii


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