Auto Insurance in Hawaii (2026)
Average costs, state requirements, top providers, and tips for HI residents.
Hawaii Auto Insurance at a Glance
Hawaii Minimum Auto Insurance Requirements
Hawaii requires drivers to carry minimum liability coverage of 20/40/10 (per person / per accident bodily injury / property damage). As a no-fault state, Hawaii also requires Personal Injury Protection (PIP) coverage.
Our recommendation: State minimums are rarely enough. We recommend at least 100/300/100 to protect your assets. With 8.6% of HI drivers uninsured, also consider uninsured motorist coverage.
How to Save on Auto Insurance in Hawaii
- ✓Compare quotes from at least 3 insurers — prices vary by 50%+ for identical coverage
- ✓Bundle auto + home/renters for 10–20% discount
- ✓Ask about good driver, low mileage, and defensive driving discounts
- ✓Maintain a clean driving record — HI accidents stay on record 3–5 years
- ✓Raise your deductible to $1,000 if you have emergency savings
- ✓Check if your employer or alumni association offers group rates
Auto Insurance in Other States
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