State guide
Car Insurance in Hawaii
Updated August 2026
Hawaii entered 2026 with its biggest car insurance change in decades: effective January 1, 2026, the state's minimum liability limits doubled from 20/40/10 to 40/80/20 — $40,000 of bodily injury coverage per person, $80,000 per accident, and $20,000 for property damage. The new limits apply to every new and renewal policy with an effective date on or after January 1, 2026, so most drivers pick them up automatically at their next renewal.
Hawaii is also a no-fault state — every policy must include at least $10,000 of personal injury protection (PIP), which pays your own medical and rehabilitation costs after a crash no matter who caused it. Between the doubled liability floor and the PIP mandate, Hawaii's required package looks nothing like a mainland at-fault state's, and carriers are repricing it in different ways — which is exactly the moment when comparing quotes side by side pays off.
| Coverage | Required minimum |
|---|---|
| Bodily injury liability (per person) | $40,000 |
| Bodily injury liability (per accident) | $80,000 |
| Property damage liability | $20,000 |
| PIP / medical | $10,000 personal injury protection (PIP) required |
| No-fault state | Yes |
| SR-22 used | Yes |
Source: Haw. Rev. Stat. §431:10C-301, §431:10C-103.5; Hawaii Insurance Division (DCCA)
Average annual expenditure for auto insurance in Hawaii was $843.83 in 2022. (NAIC 2022 Auto Insurance Database Average Premium Supplement (June 2024))
What changed on January 1, 2026
The Hawaii Insurance Division (part of the Department of Commerce and Consumer Affairs) explains the increase plainly: the old 20/40/10 minimums were set many years ago and had not kept pace with medical and vehicle-repair costs. The 40/80/20 limits apply statewide to all personal auto policies that are new or up for renewal on or after January 1, 2026.
For drivers who carried the old minimums, the Insurance Division estimates that doubling coverage may raise premiums by roughly 25% on average — but it stresses that the actual change depends on your driving record, vehicle, and claims history. When every carrier is repricing the same mandate, the gap between the highest and lowest quote for identical coverage tends to widen, and that gap is what shopping around captures.
How Hawaii's no-fault system works
After a crash, your own PIP coverage pays your medical and rehabilitation costs up to its limit, regardless of fault — that is the no-fault part. Your liability coverage still pays for injuries and property damage you cause to others, which is why the 40/80/20 limits matter.
The trade-off of no-fault is that smaller injury claims are generally handled through your own PIP rather than through lawsuits against the other driver. Optional coverages — higher PIP limits, uninsured/underinsured motorist, collision, comprehensive — layer on top, and the Insurance Division itself notes that serious accidents can exceed even the new minimums.
SR-22s in Hawaii
Hawaii uses SR-22 certificates of financial responsibility after serious violations — most commonly OVUII, Hawaii's term for impaired driving — and certain license suspensions or revocations. Your insurer files the certificate with the state and must notify it if the policy lapses. The filing itself is cheap; the premium attached to the underlying violation is the real cost, and carriers price the same record very differently, which makes comparing quotes especially worthwhile for SR-22 drivers.
Compare Hawaii car insurance quotes
Enter your ZIP to see quotes from companies writing in Hawaii. Free, about 2 minutes.
Frequently asked questions
What car insurance is required in Hawaii in 2026?+
Liability coverage of at least $40,000 bodily injury per person, $80,000 per accident, and $20,000 property damage (40/80/20), plus at least $10,000 of personal injury protection (PIP). The 40/80/20 limits took effect January 1, 2026, replacing the prior 20/40/10 minimums.
Did Hawaii's minimum insurance limits change in 2026?+
Yes. Effective January 1, 2026, Hawaii doubled its minimum liability limits from 20/40/10 to 40/80/20. The new limits apply to all new and renewal policies with effective dates on or after that day, per the Hawaii Insurance Division.
Is Hawaii a no-fault state?+
Yes. Hawaii requires personal injury protection (PIP) of at least $10,000, which pays your own medical and rehabilitation costs after a crash regardless of who was at fault. Liability coverage still pays for harm you cause to others.
Does Hawaii use SR-22s?+
Yes — Hawaii requires SR-22 filings to restore driving privileges after OVUII convictions and certain suspensions. Your insurance company files the certificate with the state on your behalf.
Ready to see your real rates?
Free, takes about 2 minutes, and you choose who contacts you.
See my rates