Is Hawaii a no-fault state?

Yes, Hawaii has been a no-fault state since 1973, according to the Insurance Information Institute . As a no-fault state, Hawaii requires drivers to carry personal injury protection (PIP), which pays your own medical expenses after an accident, regardless of who's at fault. It also limits when you can sue to only accidents that involve serious injuries or death.

How do I lower my car insurance in Hawaii?

Your coverages and deductible give you the most control over your rate. A higher deductible typically lowers your premium, though you'll probably pay more on a claim. Keeping a clean driving record and bundling your auto with another policy can help too.

How are auto insurance premiums calculated in Hawaii?

Hawaii law limits what insurers can consider. Under state statute, they can't base your rate on your age, sex, credit history, marital status, length of driving experience, or physical disability, among others. Many of these are common factors used in many other states. Hawaii premiums are calculated by a combination of factors, including your driving record, vehicle, where you keep your vehicle, and the coverages and limits you choose.

Do I need proof of insurance to register or inspect a vehicle in Hawaii?

Yes, you'll need proof of no-fault insurance to complete Hawaii's annual vehicle safety inspection, and you can't register or renew a vehicle without it . Registration is handled by your county, so check your county's process. You also must keep proof of insurance in your vehicle when you drive.

Hawaii car insurance

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Getting car insurance in Hawaii

Driving in Hawaii means everything from bumper-to-bumper traffic on Honolulu's H-1 freeway to narrow coastal roads and sudden tropical storms. The right coverage helps you handle it all. Whether you're insuring your first car or shopping for a better rate, Progressive pairs flexible coverage with clear, upfront pricing so you can find a policy that fits your budget before you buy.

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Required coverages
Discounts
Average cost
Cost factors
Optional coverages
Driving resources
FAQs

What are the minimum auto insurance requirements in Hawaii?

Hawaii currently requires drivers to carry the following auto insurance coverages.

Coverage	What it covers	Minimum amount
Bodily injury liability	Injuries you cause to others in an accident	$40,000 per person $80,000 per accident
Property damage liability	Damage you cause to someone else's vehicle or other property in an accident	$20,000 per accident
Personal injury protection	Medical and rehabilitative costs after an accident, regardless of fault	$10,000

Hawaii doubled its minimum bodily injury and property damage liability limits on January 1, 2026. The state also requires insurers to offer uninsured/underinsured motorist bodily injury coverage. You can reject or lower this coverage with a signed form.

Coverage	What it covers	Minimum amount
Uninsured/underinsured motorist bodily injury	Injuries caused by a driver with too little or no insurance	$40,000 per person $80,000 per accident

These are only the minimums. Higher coverage limits may better protect your finances after a serious accident. See how much car insurance you may need for your situation.

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Car insurance discounts in Hawaii

Car insurance discounts can help lower your rate based on how you drive, the vehicle insured, and how you manage your policy. Popular discounts available in Hawaii include:

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Save when you choose paperless billing and documents. You'll get your statements, ID cards, and policy details by email.
Automatic payments
Save when you set up automatic payments by electronic funds transfer. Letting your premium draft from your bank account earns a discount and keeps you from missing a due date.
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Save when you start your quote online. Drivers who get their Progressive auto quote online earn a discount for keeping it digital.

What is the average cost of car insurance in Hawaii?

For a liability-only policy, car insurance costs an average of $87.56 per month in low-cost states like Hawaii.^† Your own rate can vary with your driving history, and the coverages and limits that you choose.

Factors that impact your auto insurance rate in Hawaii

Hawaii limits which personal factors insurers can use to determine your rate. By law, your age, sex, credit, marital status, and length of driving experience can't affect your rate. The factors that can influence your premium include:

Driving and claims history: Traffic violations, accidents and prior claims may affect your rate.
Vehicle type: Your car's make, model, age, safety technology, and repair costs are factored into your rate. Higher vehicle values can lead to higher claim costs.
Location: Where you primarily keep your vehicle affects your rate, as accident and theft rates vary across the state.
Coverage choices and deductibles: The coverages, limits, and deductibles you select directly affect your premium. A higher deductible can lower your premium, while more coverage or higher limits can raise it.

Recommended additional auto insurance coverages in Hawaii

Hawaii requires bodily injury and property damage liability coverage as well as personal injury protection, but these coverages may not cover all costs after an accident. Adding optional coverages can deliver extra protection, help fill gaps in your policy, and give you peace of mind:

Coverage	What it covers
Comprehensive	Cost to repair or replace your car if it's stolen or damaged by hail, fire, wind, flood, vandalism, and other covered events
Collision	Cost to repair your vehicle if it overturns or collides with another vehicle or object

Hawaii driving resources

Whether you drive in Honolulu or Hilo, get to know Hawaii's driving laws and insurance resources. Registration and licensing are handled at the county level, and rules can vary across the islands.

Hawaii State Motor Vehicle Registration: The state's portal for finding your county's vehicle registration and renewal process.
Hawaii Insurance Division (DCCA): The state agency that regulates insurers and offers consumer resources, including auto premium comparisons.
Hawaii Department of Transportation traffic laws: Hawaii's traffic, parking, and safety regulations, including the state's distracted driving rules.

How to get car insurance in Hawaii with Progressive

Progressive makes it easy for Hawaii drivers to compare coverage options and get a competitive auto insurance quote.

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Hawaii car insurance FAQs

Yes, Hawaii has been a no-fault state since 1973, according to the Insurance Information Institute. As a no-fault state, Hawaii requires drivers to carry personal injury protection (PIP), which pays your own medical expenses after an accident, regardless of who's at fault. It also limits when you can sue to only accidents that involve serious injuries or death.
Hawaii law limits what insurers can consider. Under state statute, they can't base your rate on your age, sex, credit history, marital status, length of driving experience, or physical disability, among others. Many of these are common factors used in many other states. Hawaii premiums are calculated by a combination of factors, including your driving record, vehicle, where you keep your vehicle, and the coverages and limits you choose.