The Aloha State

Get A Hawaii Auto Insurance Quote

Hawaii Auto Insurance Coverage

With endless beaches and miles of natural preserves, there's a lot to love about living in Hawaii. But, whether you're new to the islands or have deep roots in the Aloha State, it's essential to understand the auto insurance requirements in Hawaii.

Required Auto Insurance in Hawaii

Hawaii requires all drivers to have liability insurance for both property damage and bodily injury, which pays for any damage or injuries caused by an accident in which you were at fault. Hawaii requires the following minimum liability coverage:

  • Bodily Injury: $20,000 per person and $40,000 per accident.
  • Property Damage: $10,000 per accident.
  • Personal Injury Protection: $10,000 per person.

Hawaii Teen Driving Laws

Hawaii operates under a Graduated Driver's License (GDL) program, which includes three stages: Instructional Permit, Provisional License, and Full Driver's License. 

  • Instructional Permit: Once your teen is 15 and 6 months old, they may apply for their instructional permit. To obtain their permit, teen drivers must pass a written exam and a vision screening. An instructional permit allows teens to practice driving with a licensed driver at least 21 years of age.
  • Provisional License: At 16, teen drivers can apply for a provisional license after holding an instruction permit for 180 days, completing a driver's education course, and passing a road examination. Teen drivers cannot drive between the hours of 11:00 PM and 5:00 AM and may not carry more than one passenger under the age of 18, except siblings. 
  • Full Driver's License: At 17, drivers may apply for a full driver's license after holding their provisional license for at least 6 months.

Please be aware of additional driving restrictions for teen drivers in Hawaii.

Hawaii Auto Insurance Discounts

Looking to save? You may qualify for one or more auto insurance discounts available to drivers in Hawaii. Some examples of common discounts include:

  • Safe driver
  • Good student
  • Installed anti-theft systems
  • Multi-vehicle
  • Accident-free
  • Multi-policy




Read more about potential discounts by visiting our auto insurance discounts page.

Optional Coverage Options in Hawaii

No law in Hawaii states that you must settle for the state's minimum auto insurance requirements. You can always expand your coverage by purchasing optional insurance policies that cover a broader range of expenses and situations.

Start your Hawaii auto insurance quote online, or by calling (888) 772-4247.

Learn More About Hawaii

A welcome to Hawaii sign
About Hawaii

Hawaii was America's 50th state. Home to endless beaches and stunning natural preserves, Hawaii has endless of adventure to offer to both long-time residents and first-time visitors.