Is Hawaii an at-fault or no-fault state?

Hawaii is a no-fault state for car insurance claims.

Field report · HI

Car insurance in Hawaii

Hawaii is a no-fault state with a minimum liability requirement of40/80/20. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage40/80/20

Fault systemNo-fault

Uninsured motoristNot required

RegulatorHawaii has no statewide DMV - vehicle registration and driver licensing are handled independently by each of Hawaii's four counties (Honolulu, Hawaii, Maui, and Kauai)

What the minimums actually mean

$40,000 per injured person, $80,000 total per accident for injuries, and $20,000 for property damage, effective January 1, 2026 (raised from the long-standing 20/40/10). PIP remains $10,000 per person. UNCERTAIN: this figure is based on secondary summaries of the Hawaii DCCA's official notice rather than a directly verified primary-source read - recommend a manual check of the DCCA site before publishing.

UNCERTAIN: under the 2026 update, UM/UIM minimums reportedly rose to match the new bodily-injury limits (40/80), but whether purchase is mandatory or offer-only was not conclusively confirmed - verify with Hawaii DCCA before publishing as fact.

Estimated cost

Illustrative estimate: pre-2026 figures cited roughly $380-$460/year (among the lowest in the nation); expect some increase following the 2026 minimum hike, but a clean post-change figure is not yet available - treat as UNCERTAIN.

Why this is a range, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use ourcost calculator for a figure based on your own details, orget matched with carriers directly.

SR-22 & high-risk filings

Typically required after a DUI/OVUII conviction, driving uninsured, or an at-fault uninsured accident; filed at the COUNTY level, not with a state DMV.

Local conditions worth knowing

Hawaii's island geography and no-fault system make its insurance market fairly unique; vehicle theft is a real, county-variable issue, and repair costs run higher because parts must be shipped from the mainland.

Frequently asked

What is the minimum car insurance requirement in Hawaii?: Hawaii requires liability limits of at least 40/80/20. $40,000 per injured person, $80,000 total per accident for injuries, and $20,000 for property damage, effective January 1, 2026 (raised from the long-standing 20/40/10). PIP remains $10,000 per person. UNCERTAIN: this figure is based on secondary summaries of the Hawaii DCCA's official notice rather than a directly verified primary-source read - recommend a manual check of the DCCA site before publishing.
Is Hawaii an at-fault or no-fault state?: Hawaii is a no-fault state for car insurance claims.
Do I need an SR-22 in Hawaii?: Typically required after a DUI/OVUII conviction, driving uninsured, or an at-fault uninsured accident; filed at the COUNTY level, not with a state DMV.
Is uninsured motorist coverage required in Hawaii?: UNCERTAIN: under the 2026 update, UM/UIM minimums reportedly rose to match the new bodily-injury limits (40/80), but whether purchase is mandatory or offer-only was not conclusively confirmed - verify with Hawaii DCCA before publishing as fact.

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