Car Insurance LocalCar Insurance Local
Hawaii Car Insurance Resources

Hawaii Car Insurance

Car Insurance Rates in HI

^ From 2006 to 2010, Hawaii cities had the 19th highest auto insurance rates in the nation. [2]

Car Insurance in HI by City

Select a city for local information:


Cars Insured in HI

^ Hawaii ranked 42nd of all U.S. states in total auto insurance policies in 2011. [1]

HI Car Insurance

Car Insurance in Hawaii

Car Insurance Liability Requirements in Hawaii

  • Minimum Liability Limits in HI: 20/40/10 [4]
    • 20  Required coverage up to $20,000 for one individual injured in an accident
    • 40  Required coverage up to $40,000 for all persons injured in an accident
    • 10  Required coverage up to $10,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.

Required Car Insurance Coverage in Hawaii

Required Car Insurance Coverage in Hawaii
  • Auto Insurance Coverage Requirements in HI [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Personal injury protection coverage

Car Insurance Verification Laws in Hawaii

  • Insurer Verification of Auto Insurance in HI [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.

Hawaii Car Insurance Facts, Estimates & Related Laws

Hawaii Car Insurance Facts

Hawaii Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in HI
    • Hawaii had the 19th highest auto insurance rates in the nation in 2010. [2]
    • Rates in HI ranked 19th in the nation in 2009. [2]
    • In 2008, HI had the 18th highest rates in the country. [2]
  • Number of Auto Insurance Policies in HI
    • Hawaii ranked 42nd in the nation in auto insurance policies in 2011 with a total of 827,821. [1]
  • Uninsured Motorist Rate in HI
    • The uninsured motorist rate in HI ranked 32nd in the nation in 2009. [3]

Hawaii Distracted Driving Laws

  • Hand-held phone ban? Yes
    • hand-held phone ban in place for all drivers. [7]
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to drivers younger than 18. [7]
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

Hawaii Automotive Laws

  • Safety Belt Laws in HI
    • Safety belt laws have been in place since 1985 and apply to drivers/passengers 8+ years in all seats. [7]
    • Child restraint law in place for 3 years and younger in a child safety seat; 4 - 7 years must be in a booster seat or child restraint. [7]
  • Motorcycle Helmet Laws in HI
    • Motorcycle helmets required for 17 and younger. [7]
  • Driver's License Renewal Cycle in HI
    • Renewal cycle: 8 years [7]

Hawaii Auto & Driver Facts

Hawaii Automotive Facts

Hawaii Auto & Driver Facts
  • Speed Limits in HI
    • Rural interstates: 60 mph [7]
    • Urban interstates: 60 mph [7]
    • Other roads: 45 mph [7]
  • Motor Fuel Consumption in HI
    • Hawaii cities collectively ranked 46th in the nation in total motor fuel consumption in 2011. [9]

Hawaii Licensed Drivers

  • Licensed Drivers in HI [10]
    • Total Drivers: 911,660
    • Female: 434,909
    • Male: 476,751
    • HI has the 42nd most drivers in the U.S.
  • Minimum Driving Age in HI [5]
    • Hawaii has a minimum driving age of 15 years, 6 months.

Hawaii Auto Registrations

  • Auto Registrations in HI [8]
    • Registered Cars: 534,815
    • Registered Trucks: 580,398
    • Registered Motorcycles: 30,498
    • Total Registrations: 1,148,041
    • Rank: Hawaii ranked 43rd in the United States in total auto registrations in 2011.

Additional information about Hawaii

About Hawaii

Hawaii has a population of approximately 1,360,301, which ranks 40th in the U.S. among all states. [6]

HI Car Insurance

More about Hawaii auto insurance

For more information about auto insurance in HI, or for additional resources regarding Hawaii car insurance, visit the Hawaii Department of Insurance.

Did you know?

Only three states (Arizona, Montana, and South Carolina) do not have any ban in place on texting while driving.


1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

Hawaii Cities