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HI
Hawaii car insurance
Drive protected on Hawaii's highways and beautiful coastal roads with dependable and affordable car insurance from Progressive. Discover various coverage options, minimum requirements, and available discounts for reliable, affordable auto insurance. Get a Hawaii auto insurance quote, and let us customize a policy to fit your budget and coverage needs.
What are Hawaii's minimum auto insurance requirements?
Drivers in Hawaii are required to have bodily injury (BI) liability, personal injury protection (PIP) and property damage (PD) liability at the following minimum car insurance limits:
Coverage
|
Coverage |
What it covers |
Minimum amount |
|---|---|---|
|
Bodily injury liability |
What it covers
Injuries you cause to others in an accident |
Minimum amount
$20,000 per person |
|
Property damage liability |
What it covers
Damage you cause to other people's property in an accident |
Minimum amount
$10,000 per accident |
|
Personal injury protection (PIP) |
What it covers
Your medical costs due to an accident, plus lost wages and death benefits, regardless of who's at fault. |
Minimum amount
$10,000 |
Hawaii also requires insurers to offer uninsured/underinsured (UM/UIM) coverage with the following limits, though you may reject or lower these coverages via a signed form if you don't want them.
Coverage
|
Coverage |
What it covers |
Minimum amount |
|---|---|---|
|
UM/UIM bodily injury |
What it covers
Your medical expenses an uninsured or underinsured driver causes |
Minimum amount
$20,000 per person |
|
UM/UIM property damage |
What it covers
Damage to your property an uninsured or underinsured driver causes |
Minimum amount
$10,000 per accident |
While these are Hawaii's minimum required car insurance limits, higher coverage amounts may provide better protection for your finances. Learn how much car insurance you may need based on your circumstances and preferences.
Is Hawaii a no-fault state?
Yes. Hawaii has been a no-fault state since 1973, according to the Insurance Information Institute. As a no-fault state, Hawaii requires drivers to carry PIP coverage so that their own insurance covers some or all of their medical expenses after a car accident, regardless of who's at fault.
How much is car insurance in Hawaii?
Your Hawaii car insurance rate will ultimately depend on unique car insurance cost factors like your age, your driving history, and the limits and coverages you choose.
In general, though, auto insurance rates in Hawaii may be affordable compared to other states. According to the Insurance Research Council's 2025 report, Hawaii car insurance rates tied for the lowest expense-to-income ratio compared to other states in 2022. That means average car insurance costs in Hawaii were fairly low when compared to the state's median income.
Switch and save with Progressive
Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $900 on average.† Get an auto insurance quote today.
What is the best car insurance in Hawaii?
Finding the best car insurance in Hawaii means comparing equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Hawaii get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're a leading auto insurance company.
If you're looking for the cheapest car insurance in Hawaii, get a quote from Progressive. Drivers nationwide who switch from GEICO and save with Progressive save over $700 on average.§
How do I lower my car insurance cost in Hawaii?
To lower your car insurance cost in Hawaii, you may qualify for the following discounts through Progressive:
- Continuous insurance
- Three-year safe driving
- Paperless
- Electronic funds transfer (EFT)
- Five-year accident-free
- Homeowner
- Multi-car
- Online quote
See all our auto insurance discounts.
Additional car insurance coverages to consider
If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision auto coverage in addition to Hawaii's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault if it's in an accident, gets stolen, or is otherwise damaged as the result of a covered incident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.
Explore all our car insurance coverages and our car insurance calculator to find which ones are recommended for you.
Hawaii driving resources
Whether you drive in Honolulu or Hilo, get to know Hawaii's driving laws and resources. These resources apply to Waipahu, Kaneohe, and everywhere in between, and local municipalities may have additional laws and resources.
- Hawaii State Motor Vehicle Registration: Find out how to get or renew your Hawaii license and registration.
- Hawaii driving license FAQs: Get answers to common questions about a Hawaii driver's license.
- Hawaii Department of Transportation Traffic Laws and Regulations: Review Hawaii's traffic and parking regulations.
- Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.
How to get car insurance in Hawaii
-
Go online
Customize your policy's coverages, limits, and deductibles.
-
Call us
Talk to a licensed representative who will guide you through every step of the process.
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Ask an agent
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More insurance resources for Hawaii
