Hawaii Car Insurance FAQ - Quick Answers

On average, Hawaii car insurance premiums run $1,114 per year, which comes in lower than the national figure of $1,311 annually. When you're searching for the lowest rates on coverage, consult with a trusted adviser. 

Your Hawaii auto policy will come with many required and optional coverages. The most used are listed below:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Personal injury protection: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: Pays for damage to your vehicle when struck by an unavoidable object or animal.
  • Collision: Pays for damage to your vehicle when in an accident with another vehicle or property.
  • Roadside assistance: Pays for a tow or tire change when stranded.
  • Rental car: Pays for a replacement car while yours is repaired due to a covered claim.
  • Gap: Pays for the difference between your loan and the market value of your vehicle when a total loss occurs.

You are required to carry the minimum limits of liability insurance in Hawaii. And if you get injured in an accident, you'll file a claim on your own insurance policy under personal injury protection, which is also required. Another coverage you'll have to obtain is uninsured motorist coverage.

Of all the Hawaii drivers on the road today, 10.6% are uninsured. Fortunately, Hawaii requires that all licensed drivers carry uninsured motorist coverage, which helps pay for a loss involving a driver without insurance.

In Hawaii, you are required to carry the state minimum limits of liability, uninsured motorist coverage, and personal injury protection. The mandated liability limits are set as follows:

  • $20,000 in bodily injury liability per person
  • $40,000 in bodily injury liability per accident
  • $20,000 in property damage liability

When a car accident occurs in Hawaii, your personal injury protection, or PIP, will pay your medical expenses. The PIP benefits apply regardless of which party was responsible for the auto accident. 

Do You Know What Your Hawaii Car Insurance Covers?

Find the Best Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Annual insurance cost
Hilo18.4$981
Kahului20.4$1,008
Kailua16.9$963
Kaneohe28.7$1,239
Kapolei37.4$1,391
Kihei21.1$1,006
Makakilo36.3$1,334
Mililani Mauka33.8$1,233
Mililani Town31.7$1,360
Pearl City29.7$1,187
Wailuku22.3$1,383