Auto Insurance Minimum Requirements
Hawaii requires all drivers to carry minimum liability coverage of $20,000 per person and $40,000 per accident for bodily injury, plus $10,000 for property damage — commonly written as 20/40/10. Hawaii is a no-fault state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is not required by law but is strongly recommended. Personal Injury Protection (PIP) is required at a minimum of $10,000.
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.
Fine
$500–$1,500
License / Registration
Suspension: Yes (3 months)
SR-22 Required After
Yes
What is the minimum car insurance required in Hawaii?
Hawaii requires minimum liability coverage of $20,000 per person and $40,000 per accident for bodily injury, plus $10,000 for property damage. This is written as 20/40/10 coverage.
Is Hawaii a no-fault state?
Yes, Hawaii is a no-fault state. Drivers file injury claims with their own insurance regardless of who caused the accident. PIP coverage pays for medical expenses up to policy limits.
Is uninsured motorist coverage required in Hawaii?
Uninsured motorist coverage is not required in Hawaii, but it is strongly recommended given the proportion of uninsured drivers nationwide.
What happens if I drive without insurance in Hawaii?
Driving without insurance in Hawaii can result in fines of $500–$1,500 and license/registration suspension (Yes (3 months)). An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in Hawaii?
SR-22 filings are used in Hawaii for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for 3 years following severe infractions like driving without insurance or a DUI.
What does 20/40/10 mean in Hawaii?
These numbers represent your liability limits: $20,000 per person for bodily injury, $40,000 per accident for bodily injury, and $10,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
Hawaii Department of Commerce and Consumer Affairs Insurance Division
More Hawaii Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — Hawaii Department of Commerce and Consumer Affairs Insurance Division publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.