States
Hawaii minimum car insurance: 20/40/10
At least $20,000 per person, $40,000 per accident and $10,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
Hawaii minimum: 20/40/10 · No-fault
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$105,000
- Total damages: $155,000
- Injury paid by the policy: $40,000 (per-person cap reached)
- Property paid by the policy: $10,000
The scenario amounts are yours, not statistics. official page, read 2026-11-02. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
Hawaii's Insurance Division uses the words itself: a no-fault state, where your insurer pays your injuries and your passengers' up to the personal injury protection limit, and you cannot sue or be sued unless injuries are serious. No-fault applies to injuries, not to vehicles or property, so the driver at fault still answers for those. The minimum policy carries $10,000 per person of that protection, then $20,000 per person and $40,000 per accident of bodily injury liability, and $10,000 for property. The law requires insurance throughout the registration period and a valid insurance card in the car, and you can be ticketed and fined without it, though the page gives no amount. Uninsured and underinsured cover is optional: your agent must explain it and you may decline it in writing. If you buy it, the division gives $20,000 per person as the minimum for each.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in Hawaii
Hawaii sits at the low end of what we read: 33 states ask for more per person. A policy bought here at the floor can fall short the day its owner moves away.
$20,000 is the most the policy pays for one injured person. $40,000 is the most it pays for everyone hurt in the crash. $10,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $20,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $40,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $10,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for Hawaii.
What else we read for Hawaii
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | The Insurance Division calls Hawaii a no-fault state, with $10,000 per person of personal injury protection; you cannot sue or be sued unless injuries are serious. | official text |
| Other required or offered cover | Uninsured and underinsured cover is optional and may be declined in writing. | official text |
| Penalties | You can be ticketed and fined for driving without the required insurance card; the amount is not on the page we read. | official text |
| SR-22 or similar filing | Not verified | None read |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.