Minimum car insurance in Hawaii.
What Hawaii requires, in plain words, and why the minimum may not be enough.
The minimum limits
In Hawaii, the minimum liability limits are written 40/80/20 (in thousands): $40,000 for injury to one person, $80,000 for injury to everyone in one accident, and $20,000 for property damage.
How the system works
Hawaii uses a no-fault style system, so your own policy pays part of your medical costs after a crash whoever caused it. The exact rules differ from the at-fault system used in most states.
No-fault. Limits rose from 20/40/10 on Jan 1, 2026. PIP required at $10,000.
What the minimum means in practice
Say a crash you cause injures three people. The Hawaii minimum pays at most $40,000 to any one of them and $80,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $20,000.
If you drive without insurance in Hawaii
A conviction for driving without insurance in Hawaii carries a fine of $500 for a first offense and at least $1,500 for each later offense. The court must also either suspend the license (3 months for a first conviction, 1 year for a later offense within 5 years) or require the driver or owner to keep a nonrefundable policy in force for six months.
Also worth knowing in Hawaii
The court may suspend all or part of the fine if the defendant proves current insurance, and may allow community service in place of the fine on request.
Your state regulator
Hawaii Insurance Division (DCCA) is the official place for consumer questions and complaints about insurers.
Sources we checked (October 2026)
Requirements change. We checked the pages below. Confirm with your state insurance department or an agent.
Questions
Is Hawaii a no-fault state?
Hawaii uses a no-fault style system for medical costs, with its own rules.