Car-insurance requirements in Hawaii (2026)
Hawaii’s minimums doubled recently and now stand at 40/80/20 in the usual shorthand. It is also one of the small group of states that bans credit, gender, age and marital status in rating outright.
- Minimum liability limits
- 40/80/20
- Fault system
- No-fault
- Tort threshold
- verbal
- Restricted rating factors
- 4
What the statute requires
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $40,000 | required | HRS §431:10C-301(b) |
| Bodily injury liability, per accident | $80,000 | required | HRS §431:10C-301(b) |
| Property damage liability | $20,000 | required | HRS §431:10C-301(b) |
Source of record: the legislature’s own statute text, corroborated against the state insurance department or motor-vehicle agency. Verification status: primary text confirmed.
The part most published tables get wrong
Because the coverage floor changed with the increase, Hawaii’s current premium survey is not comparable with its predecessor: the same insurers are pricing a different product. No trend line may be drawn across the two editions, and this site does not draw one.
How old is this minimum?
Hawaii’s $20,000 property-damage minimum took effect in 2026. $20,000 in January 2026 corresponds to $20,535 at the June 2026 price level, measured on the Bureau of Labor Statistics all-items index (CUUR0000SA0). The limit has not moved; what it buys has.
What the property-damage minimum leaves exposed
A $42,000 property-damage claim against Hawaii’s minimum of $20,000 leaves $22,000 above the limit. That difference is the at-fault driver’s own exposure. The claim figure is an illustration; the limit is the statute.
Rating rules in Hawaii
| Factor | Status | Authority |
|---|---|---|
| Credit information | Banned | Haw. Rev. Stat. §431:10C-207 |
| Gender | Banned | Haw. Rev. Stat. §431:10C-207 |
| ZIP code | No restriction found | — |
| Rating territory | No restriction found | — |
| Age | Banned | Haw. Rev. Stat. §431:10C-207 |
| Marital status | Banned | Haw. Rev. Stat. §431:10C-207 |
| Occupation | No restriction found | — |
| Education | No restriction found | — |
The same factor across every jurisdiction: credit-based rating by state, gender rating by state, age rating by state, marital-status rating by state, occupation and education rating by state, zip code and territory rating by state.
Premium data for Hawaii
Hawaii Department of Commerce and Consumer Affairs, Insurance Division publishes filed sample rates for 2 driver profiles across 4 islands, quoted as annual premiums. We compute the distribution of those filed rates — 296 of them — and publish the count, the lowest, the quartiles, the median and the highest for every published combination.
Published premium data for Hawaii (Hawaii Insurance Division)
Coverage requirement checker
Pick a jurisdiction to see every coverage its statute requires, with the amount, the citation and whether it can be rejected.
Hawaii — minimum limits 40/80/20
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $40,000 | required | HRS §431:10C-301(b) |
| Bodily injury liability, per accident | $80,000 | required | HRS §431:10C-301(b) |
| Property damage liability | $20,000 | required | HRS §431:10C-301(b) |
Fault system: No-fault — verbal threshold (HRS §431:10C-306).
General information, not insurance, financial or legal advice. Requirements change; verify with your state insurance department or the statute before acting.
Questions about Hawaii
- What is the minimum car insurance required in Hawaii?
- Hawaii requires liability limits of 40/80/20 under HRS §431:10C-301(b).
- Is Hawaii a no-fault state?
- Hawaii operates no-fault with a verbal tort threshold.
- Where can I see what drivers in Hawaii actually pay?
- Hawaii Department of Commerce and Consumer Affairs, Insurance Division publishes filed sample rates for the driver profiles it defines. We compute the distribution of those filed rates and publish it, with the count behind every figure.
Statutory records for Hawaii last verified against primary sources on 10 August 2026. Price level for the real-terms restatement: June 2026, all-items index 333.952. Every figure on this page is recomputed from committed data at build time.