Minimum Car Insurance Required in Hawaii
The minimum car insurance required in Hawaii, penalties for driving uninsured, and whether the state minimum is enough coverage.
- Cited from NAIC & the Hawaii DOI
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Updated August 2026
The Hawaii state minimum is 20/40/10 ($20k bodily injury per person, $40k per accident, $10k property damage).
These limits exist to cover damage you cause to other people — they do not repair your own car or cover your own injuries. Hawaii is a no-fault state, so your own PIP pays your medical bills regardless of fault.
Driving without at least the required coverage in Hawaii can mean fines, license/registration suspension, reinstatement fees and SR-22 filing — and if you cause a crash while uninsured you are personally liable for the damage.
Because the minimum is only a floor, many Hawaii drivers step up to 100/300/100 and add collision/comprehensive if their car has value. The average Hawaii driver pays about $888/yr (NAIC, 2023). Verify the current limits directly with the Hawaii Department of Insurance before relying on them — laws change. Hawaii Dept. of Insurance →
Hawaii minimum car insurance FAQ
What is the minimum car insurance required in Hawaii?
Hawaii requires at least 20/40/10: $20k bodily injury per person, $40k per accident and $10k property damage. Minimums are the legal floor, not necessarily enough coverage.
What happens if I drive without insurance in Hawaii?
Penalties can include fines, suspension of your license and registration, reinstatement fees and an SR-22 requirement — plus personal liability for any crash you cause.
Is the state minimum enough coverage in Hawaii?
It is the legal minimum, not a recommendation. A single serious accident can exceed these limits, leaving you to pay the difference, so many drivers carry higher liability and add collision/comprehensive.