Hawaii Car Insurance Requirements (Updated for 2025)
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Driving in Hawaii requires a mix of no-fault and at-fault coverages—Personal Injury Protection (PIP), plus liability for bodily injury and property damage. Proof of insurance must be carried, and penalties for non-compliance are serious.
Minimum Required Coverage in Hawaii
As of 2025, Hawaii motorists must carry at least:
- PIP (Personal Injury Protection): $10,000 per person
- Bodily Injury Liability: $20,000 per person / $40,000 per accident
- Property Damage Liability: $10,000 per accident
PIP covers medical bills and lost wages regardless of fault; liability covers damages you cause :contentReference[oaicite:1]{index=1}.
No‑Fault PIP vs. At‑Fault Liability
Hawaii is a “no‑fault” state for injuries—PIP benefits are paid regardless of who caused the accident. For property damage, the fault-based system applies :contentReference[oaicite:2]{index=2}.
Uninsured & Underinsured Motorist Coverage (UM/UIM)
Insurers must offer UM and UIM for bodily injury, but they are optional—you must sign to decline. Minimum amounts:
- UM Bodily Injury: $20,000 per person / $40,000 per accident
- UIM Bodily Injury: $20,000 / $40,000
Mirrors liability limits; protects against drivers with no or insufficient coverage :contentReference[oaicite:3]{index=3}.
Optional Coverages to Consider
- Comprehensive Coverage (theft, vandalism, weather)
- Collision Coverage (pays for your vehicle repairs)
- Wage-loss, death/funeral benefits (up to $100k), PIP deductibles
UM/UIM only covers injuries—not vehicle damage; collision covers your vehicle repairs :contentReference[oaicite:4]{index=4}.
Proof of Insurance Requirements
You must carry your insurance ID card in the vehicle—paper or insurer’s app PDF—and present it during stops, accidents, or inspections :contentReference[oaicite:5]{index=5}.
Penalties for Driving Without Insurance
- First offense: $500 fine
- Subsequent offenses (within 5 years): $1,500+ fine
- 30‑day license suspension (1st); up to 1 year for repeats
- Vehicle registration suspension, potential impoundment, mandatory future insurance
- Possible jail time and required policy purchase :contentReference[oaicite:6]{index=6}
Pending Changes to Minimum Liability Limits
A law passed in July 2024 will increase liability minimums from 20/40/10 to 40/80/20, effective January 1, 2026—new and renewal policies only :contentReference[oaicite:7]{index=7}.
Why Buy More Than Minimum?
~10.6% of Hawaii drivers are uninsured. If you’re injured or your car is damaged by such drivers, UM/UIM and collision can be vital. Many locals strongly recommend stacking and higher limits :contentReference[oaicite:8]{index=8}:
> “EVERYONE should have, and max out coverage, for under‑/uninsured motorist coverage.” :contentReference[oaicite:9]{index=9}
Compare Auto Insurance Quotes in Hawaii
Rates vary based on coverage, location, driving history, and insurer. For example, liability-only plans from USAA (~$280/yr) to Geico (~$296/yr) are common for minimum coverage :contentReference[oaicite:10]{index=10}.
FAQs
Is Hawaii a no‑fault state?
Yes—for medical injury coverage (PIP), Hawaii is no-fault. Property damage uses a fault-based (tort) system :contentReference[oaicite:11]{index=11}.
Is UM/UIM coverage mandatory in Hawaii?
No—insurers must offer it, but you can decline in writing.
Will liability minimums change soon?
Yes. Come January 1, 2026, minimums increase to 40/80/20 for new or renewed policies :contentReference[oaicite:12]{index=12}.