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 of 40/80/20. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage40/80/201

Fault systemNo-fault1

Uninsured motoristMust be offered1

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

$413 a year for minimum coverage, $1,678 for full coverage2

Average annual premiums in Hawaii for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.

Why this is an average, 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 our cost calculator for a figure based on your own details, or get 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.

Sources

Hawaii Department of Commerce and Consumer Affairs, Auto insurance minimum limits FAQs (effective January 1, 2026), January 2026.
Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.

Figures checked against these sources on October 2, 2026.

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