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Hawaii Auto Insurance for First-Time Drivers

Hawaii requires 40/80/20 liability coverage and is a no-fault state.

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Hawaii at a Glance

40/80/20

Minimum liability limits, in thousands of dollars (per person / per accident / property)

No-fault

Each driver's own policy pays their injuries first, whoever caused the crash

Required

PIP coverage must be on every policy

15½

Minimum learner's permit age, 50 supervised driving hours

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Hawaii

Hawaii operates under a tort-based liability system, meaning the at-fault driver is financially responsible for damages in an accident. The state requires all drivers to carry proof of insurance and present it during traffic stops, vehicle registration, and after any collision.

Bodily Injury Liability

Pays for injuries you cause to other people in an accident, including medical bills, lost wages, and legal defense if you're sued. For first-time drivers, raising this to at least 50/100 reduces the risk of paying out-of-pocket if you're at fault in a multi-vehicle accident.

Property Damage Liability

Covers damage you cause to other vehicles, structures, or property.

Personal Injury Protection (PIP)

Pays for your own medical expenses, lost income, and funeral costs regardless of fault — this coverage is mandatory in no-fault states but optional in Hawaii. Hawaii has no mandate for health insurance to cover auto-related injuries, so PIP fills a critical gap if you're injured in an accident and don't have robust health coverage.

Uninsured/Underinsured Motorist Coverage

Protects you if you're hit by a driver with no insurance or insufficient coverage to pay your damages.

What Drivers Pay in Hawaii

$229/mo

Typical monthly rate in Hawaii, new drivers

Rate data: Insurify, 2026

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Rules for new drivers

Night driving

11pm-5am

Passengers

no more than 1 passenger younger than 18

Source: IIHS and state DMV records, verified July 2026

Coverage Types

Liability Insurance

The foundation of any Hawaii auto policy — covers injuries and property damage you cause to others. Your premium pays for financial protection and legal defense if you're sued after an at-fault accident.

Full Coverage

Combines liability with comprehensive and collision coverage, protecting both your legal obligation to others and your own vehicle. Required by lenders if you finance or lease, and essential if your car's value exceeds what you can afford to replace.

Comprehensive Coverage

Pays to repair or replace your car after non-collision events like theft, vandalism, flooding, or volcanic ashfall. Your deductible is the amount you pay before insurance covers the rest.

Collision Coverage

Covers damage to your vehicle after a collision with another car or object, regardless of who caused the accident. You pay your deductible, then insurance pays the repair or replacement cost up to your car's actual cash value.

Uninsured Motorist Coverage

Protects you financially if you're hit by a driver with no insurance or insufficient coverage to pay your medical bills and vehicle damage. Your insurer steps in and pays your claim as if the at-fault driver had proper coverage.

Find Your City in Hawaii

Honolulu

urban

Pearl City

suburban

Hilo

urban

Kailua

suburban

Waipahu

suburban