General information, not insurance advice. This guide explains how car insurance works in Hawaii using published figures. It is not a quote and not advice about what coverage you should buy. Prices vary by driving record, car, mileage, and coverage choices. Confirm your coverage with a licensed Hawaii insurance agent.
Last verified: 12 November 2026.
The short answer
Hawaii is a no-fault state, which means your own insurance pays your medical bills first — up to $10,000 of personal injury protection (PIP) — no matter who caused the crash. The legal minimum since 1 January 2026 is 40/80/20 liability plus $10,000 PIP: $40,000 bodily injury per person, $80,000 per accident, $20,000 property damage.
A good driver pays about $536 a year for the state minimum and about $1,757 a year for full coverage (100/300/100 liability with collision and comprehensive, $500 deductibles) — or about $1,493 a year with a $1,000 deductible. Hawaii is usually the cheapest state in the country for car insurance, because insurers may not use your age, sex, credit score, marital status, length of driving experience or ZIP code to set your price.
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Hawaii Auto Insurance Minimums and PIP
Since 1 January 2026 the minimum is 40/80/20 liability plus $10,000 PIP. Hawaii is a no-fault state: your own PIP pays your medical bills first, and you can sue only if your PIP benefits reach $5,000 or the injury is very serious.
Auto Insurance Coverage Types in Hawaii
“Full coverage” is a bundle — liability above the minimum, plus collision and comprehensive. This guide explains what is required, what is optional, and what we recommend: 100/300/100 liability, more PIP, and keep UM/UIM.
What Car Insurance Costs in Hawaii
A good driver pays about $536 a year for the minimum and about $1,757 a year for full coverage — $1,493 with a $1,000 deductible. Prices are nearly the same at every age, and the cost estimator lives on this page.
How to Save on Car Insurance in Hawaii
Comparing 3–5 quotes on the same coverage is the biggest saving, followed by bundling, a clean record and raising your deductible to $1,000. This guide lists 14 ways to save in Hawaii.
How to Shop for Car Insurance in Hawaii
Get quotes from GEICO, USAA, Progressive, State Farm, Allstate and the local Hawaii companies, compare at least three on identical coverage, and check the Insurance Division’s neutral comparison before you buy.
Sources
- Hawaii Insurance Division (DCCA), “FAQ: Auto Insurance Minimum Limits” (January 2026)
- Hawaii Insurance Division (DCCA), “Motor Vehicle Premium Comparison & Consumer Complaints Guide”
- Commissioner’s Memorandum 2026-2PC, “Motor Vehicle Rates Using ZIP Code-Based Rating” (16 January 2026)
- Insure.com, “Average Car Insurance Cost in Hawaii” (2026)
- Insurance.com, “Hawaii Car Insurance Guide” (updated 28 September 2026)
- Luva, “Hawaii Car Insurance: Rates, Coverage, and How to Save in 2026” (Nov 2026 data)
- AutoInsurance.com, “Average Cost of Car Insurance in Hawaii in 2026”
- The Zebra, “Car Insurance in Hawaii”
Prices are published figures as of the dates cited, not quotes. Verify current rates with a licensed Hawaii insurance agent.
Next: Health insurance in Hawaii — how Hawaii is different from every other state.