Minimum Car Insurance in Hawaii

For new and renewal policies effective on or after January 1, 2026, Hawaii requires liability coverage of at least $40,000 per person and $80,000 per accident for bodily injury and $20,000 for property damage (40/80/20), replacing the former 20/40/10 minimums. Policies must also include personal injury protection (PIP) of at least $10,000 per person for the insured's own medical and rehabilitation costs regardless of fault, and uninsured motorist coverage at the bodily injury liability limits unless a named insured rejects it in writing. A vehicle must be insured throughout its registration period.

Hawaii is a no-fault state: each driver's insurer pays injury costs for the insured and passengers up to the PIP limit, regardless of fault, and the no-fault rules apply to injuries, not vehicle or property damage (the at-fault driver remains responsible for property damage). Tort liability for injuries is abolished except where the accident causes death, a significant permanent loss of use of a body part or function, a permanent and serious disfigurement causing mental or emotional suffering, or injuries for which PIP benefits incurred equal or exceed $5,000. In any bodily injury recovery, the award is reduced by $5,000 or the PIP benefits incurred, whichever is greater (the "covered loss deductible").

Policies on vehicles registered or principally garaged in Hawaii must include uninsured motorist bodily injury coverage at the policy's bodily injury liability limits (at least $40,000/$80,000) unless a named insured rejects it in writing, and must include underinsured motorist coverage (which insurers offer at limits the insured may select). The Insurance Division says agents and insurers must advise policyholders of their UM and UIM options, including the right to decline in writing.