Hawaii car insurance: minimums, SR-22 rules and costs

Last updated: November 12, 2026

Hawaii drivers must carry at least $40,000/$80,000 of bodily injury liability and $20,000 of property damage liability, plus personal injury protection (PIP) coverage. In 2023, insured drivers in Hawaii spent an average of $888.07 on car insurance, 31% below the national average of $1,281.60, according to the National Association of Insurance Commissioners (NAIC). That makes Hawaii the 5th least expensive of the 50 states and D.C. by that measure.

Minimum car insurance required in Hawaii

Coverage	Minimum
Bodily injury liability, per person	$40,000
Bodily injury liability, per accident	$80,000
Property damage liability, per accident	$20,000
Personal injury protection (PIP)	$10,000

You'll often see this written as 40/80/20. The first two numbers are the bodily injury limits in thousands of dollars (per person and per accident), and the last is property damage. Those amounts are the most the policy pays for injuries and damage you cause to others. Anything above them can come back to you personally.

Hawaii doubled its minimums from 20/40/10 to 40/80/20 for new and renewal policies effective on or after January 1, 2026. Personal injury protection of at least $10,000 is still required.

Is Hawaii a no-fault state?

Yes. Hawaii is one of 12 states with a no-fault auto insurance law, according to the Insurance Information Institute. Your own personal injury protection pays your medical bills after a crash, whoever caused it. You can only sue the other driver for pain and suffering once your injuries pass a monetary threshold.

SR-22 rules in Hawaii

Under Hawaii law (HRS §287-40), the state can end a proof-of-financial-responsibility requirement, such as an SR-22, three years after the date the proof was first required, as long as it hasn't received a record of a conviction during those three years that would allow a suspension.

If your proof is canceled before then and you apply for a license or registration again within the three years, you have to file proof again for the rest of the period.

What drives car insurance costs in Hawaii

Average spending in Hawaii rose 6% from 2019 to 2023, compared with 19% nationwide. Here's average annual spending per insured vehicle, from the NAIC:

Year	Hawaii average	U.S. average
2019	$839.70	$1,075.08
2020	$810.54	$1,047.76
2021	$819.11	$1,060.23
2022	$843.84	$1,124.45
2023	$888.07	$1,281.60

The NAIC's "average expenditure" is total written premium divided by insured vehicles. It isn't a quote, and your own price depends on your driver profile and the coverage you choose.

Uninsured drivers. An estimated 9.6% of drivers in Hawaii were uninsured in 2023, lower than the national estimate of 15.4%. That's the 11th lowest rate among the 50 states and D.C. When more drivers are uninsured, insured drivers' own uninsured motorist coverage pays more claims, which pushes up its price.
Crash deaths. Hawaii recorded 102 motor vehicle crash deaths in 2024, or 0.96 per 100 million miles driven, lower than the U.S. rate of 1.19 (the 12th lowest of the 50 states and D.C.). Severe crashes drive up bodily injury claim costs.
Where and how crashes happen. In 2024, 13% of Hawaii's crash deaths happened in rural areas (U.S.: 41%), 42% involved speeding (U.S.: 29%), and 34% of those killed were pedestrians (U.S.: 18%).
No-fault rules. Mandatory PIP means every policy pays for its own driver's medical costs, which shapes what you pay for that part of the policy.

Ways to save on car insurance in Hawaii

Compare at least three quotes. Insurers weigh the same facts differently, so prices for the same driver in Hawaii can vary widely. More ways to lower your bill.
Check your uninsured motorist limits anyway. Even at 9.6%, uninsured and underinsured drivers are common, and UM coverage is usually inexpensive. How UM coverage works.
Shop at renewal. Even where prices rise more slowly, your own renewal can jump after a claim, a move or a new car. When to compare.
Review your PIP options. In a no-fault state, PIP is a big part of the bill. Ask how different PIP limits, deductibles or coordination with your health insurance change the price.
Pick a deductible you can actually pay. Raising it lowers your premium, but only if you could cover it after a claim. How deductibles work.
Budget for the new minimums at renewal. The Hawaii Insurance Division says doubling coverage limits may raise premiums by about 25% on average for many drivers, though your own change could be higher or lower. If your renewal jumps, that's a good time to compare quotes.
Ask about discounts. Common ones include safe driver, multi-car, bundling, paying in full, good student and usage-based programs. They're not always applied automatically.

See other states in our car insurance guides by state.

Sources

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DriveCheaper may be paid by companies shown on this site. How we make money. This page is general information, not insurance or legal advice. Laws and prices change, so confirm details with your insurer or your state's insurance department or DMV.