Hawaii

Auto Insurance Minimum Requirements

20/40/10

Liability Limits

Yes

No-Fault

$10,000

PIP Minimum

Optional

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$20,000

Bodily Injury (per accident)$40,000

Property Damage$10,000

Uninsured Motorist RequiredNo

Underinsured Motorist RequiredNo

PIP RequiredYes — $10,000 minimum

No-Fault StateYes

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date1998-01-01

Important Notes

Hawaii operates a strict no-fault umbrella requiring a $10,000 Personal Injury Protection threshold to govern minor injury litigation.

Uninsured / Underinsured Motorist

Insurers must offer UM and UIM; options can be declined in writing.

SR-22 Filings

Required for 3 years following severe infractions like driving without insurance or a DUI.

Alternatives to Insurance

Self-insurance status may be approved by the insurance commissioner for qualified fleets.

Official Source

Hawaii Department of Commerce and Consumer Affairs Insurance Division

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.