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Hawaii Auto Insurance Guide for First-Time Drivers

Hawaii requires 40/80/20 liability coverage and is a no-fault state.

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Hawaii at a Glance

40/80/20

Minimum liability limits, in thousands of dollars (per person / per accident / property)

No-fault

Each driver's own policy pays their injuries first, whoever caused the crash

Required

PIP coverage must be on every policy

15½

Minimum learner's permit age, 50 supervised driving hours

Source: state DMV, insurance department and statute records, verified July 2026

State Requirements

Hawaii operates under a no-fault insurance system, meaning your own policy pays for your medical expenses after an accident regardless of who caused it. Drivers must carry proof of insurance at all times and provide it during vehicle registration renewal. Unlike most states, Hawaii mandates Personal Injury Protection (PIP) coverage in addition to liability, making it one of 12 no-fault states in the U.S.

Bodily Injury Liability

This coverage pays for injuries you cause to people in other vehicles if you're at fault in an accident. Because Hawaii has some of the highest healthcare costs in the nation, carrying only the state minimum leaves you personally liable for amounts above the limit.

Property Damage Liability

This pays to repair or replace another person's vehicle or property when you're at fault. If you cause a multi-car accident or hit a vehicle worth more than the limit, you'll pay the difference out of pocket.

Personal Injury Protection (PIP)

PIP covers your own medical expenses, lost wages, and funeral costs after an accident, regardless of who caused it — this is what makes Hawaii a no-fault state. Hawaii allows you to reject PIP in writing if you have qualifying health insurance, but most first-time drivers maintain it because health insurance often doesn't cover all accident-related expenses like rehabilitation or lost income.

Uninsured/Underinsured Motorist Coverage

This protects you when you're hit by a driver who has no insurance or insufficient coverage to pay for your injuries. Hawaii requires this at the same limits as your bodily injury liability unless you reject it in writing.

Comprehensive and Collision Coverage

Hawaii doesn't mandate coverage for damage to your own vehicle, but lenders require it if you finance or lease. Comprehensive covers non-collision events like theft, volcanic ash damage, falling debris from tropical storms, and salt air corrosion. Collision pays for repairs after an accident regardless of fault — important in a no-fault state where your liability coverage won't fix your own car.

Cost Overview

$229/mo

Typical monthly rate in Hawaii, new drivers

Rate data: Insurify, 2026

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Rules for new drivers

Night driving

11pm-5am

Passengers

no more than 1 passenger younger than 18

Source: IIHS and state DMV records, verified July 2026

Coverage Types

Liability Insurance

Liability insurance is split into two parts: bodily injury (which pays for injuries to others) and property damage (which pays for damage to their vehicles or property). Your premium — the amount you pay monthly or every six months — covers both, and they're always sold together as a package with limits like 20/40/10.

Full Coverage

Full coverage is an industry term (not a specific policy type) that combines liability, collision, and comprehensive coverage — it protects both other people and your own vehicle. Collision pays to repair your car after an accident regardless of fault, while comprehensive covers non-collision damage like theft, weather, or vandalism.

Comprehensive Coverage

Comprehensive coverage pays to repair or replace your vehicle after non-collision events — think theft, vandalism, fallen tree branches during tropical storms, or damage from hitting an animal. You choose a deductible (the amount you pay before insurance covers the rest), typically $500 or $1,000.

Uninsured Motorist Coverage

This coverage protects you when the at-fault driver has no insurance or not enough coverage to pay for your injuries and, in some cases, vehicle damage. Hawaii requires uninsured/underinsured motorist bodily injury coverage at the same limits as your liability, unless you reject it in writing.

Collision Coverage

Collision coverage pays to repair your vehicle after an accident with another car or object, regardless of who was at fault. Like comprehensive, you select a deductible — the portion you pay out of pocket before coverage applies — with $500 and $1,000 being the most common choices.

Personal Injury Protection (PIP)

PIP is mandatory in Hawaii and covers your medical expenses, lost wages, and funeral costs after an accident regardless of who caused it — this is the foundation of Hawaii's no-fault system. The required $10,000 minimum also extends to passengers in your vehicle, and you can purchase higher limits like $25,000 or $50,000.

Find Your City in Hawaii

Honolulu

urban

Pearl City

suburban

Hilo

urban

Kailua

suburban

Waipahu

suburban