The Hawaii auto insurance requirements stipulated by law are:

$10,000 per person personal injury protection benefits (for you and your passengers).

$20,000 per person/$40,000 per accident bodily injury.

$10,000 per occurrence property damage liability.

Optional coverages and options you may purchase include: collision and comprehensive, uninsured (“UM”) and underinsured (“UIM”) coverages, wage loss, alternative care (including healing methods such as naturopathy, acupuncture and faith healing), death benefits (coverage range from $25,000 to $100,000), funeral benefits, (the coverage is $2,000), PIP deductible and PIP managed care.

Hawaii is a considered a “no-fault state”, which means your motor vehicle insurance company will pay the bills for your injuries and your passengers’ injuries up to the personal injury protection benefits (“PIP”) limit. And you cannot sue or be sued unless there are serious injuries. Because “no-fault” applies to injuries, not to vehicles or property, the driver-at-fault in an accident is responsible for damages to vehicle and property.

Your insurance agent or company must advise you about your uninsured and underinsured motorist coverage options including your right to decline coverage in writing. You may purchase at a minimum $20,000 per person uninsured motorist coverage to pay for serious injury or death if the driver at fault does not have insurance or in case of a hit and run accident. You may also purchase at a minimum $20,000 per person underinsured motorist coverage to pay if the driver at fault does not have enough insurance.

Please note that these are minimums required by Hawaii state law, not suggested coverage amounts. The simple fact is, each state’s minimum requirements are typically inadequate to sufficiently cover your costs should you be involved in a major accident. The shortfall will have to be made up out of your own pocket. Obviously, having to pay this difference could easily destroy one financially.  Therefore, it is highly recommended to get much higher coverage amounts.  Consult pages elsewhere on this site for recommendations in this regard.

Hawaii Auto Insurance Requirements – More Information

For more information regarding auto insurance requirements in Hawaii, contact the state’s insurance regulatory agency:

HAWAII – DEPARTMENT OF INSURANCE

P.O. Box 3614
Honolulu, HI 96811 United States
Phone: 808-586-2790
FAX: 808-586-2806
Web: http://www.state.hi.us/dcca/ins
Description: J.P. Schmidt, Commissioner of Insurance

Note that this information is provided for as a general guide and is for reference purposes only and should in no way be considered legal advice.  Contact the regulatory agency for the state in question for definitive answers that apply to that state.