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Hawaii Minimum Car Insurance and Penalties for Driving Without It
The short answer
Hawaii requires liability insurance of at least $40,000 per person and $80,000 per accident for injuries, and $20,000 for property damage (40/80/20). Other required coverage: PIP $10,000.
Hawaii at a glance
| Minimum liability | $40,000 per person and $80,000 per accident for injuries, and $20,000 for property damage (40/80/20) |
|---|---|
| Other required coverage | Personal injury protection (PIP) is required, with an aggregate limit of $10,000 per person. |
| First offense for driving uninsured | A first offense carries a $500 fine (the court can suspend all or part if you show current insurance), or 75 to 100 hours of community service instead if you request it. The court must either suspend your license for three months or require you to keep a nonrefundable insurance policy for six months. |
| Repeat offense | A later offense within five years carries a fine of at least $2,000 and a one-year license suspension. For a second offense the court can order 200 to 275 hours of community service, and for multiple convictions it can order up to 30 days in jail, plate suspension or revocation, or impoundment and sale of the vehicle. |
| Fee to restore after a lapse | Not confirmed on a state source; ask the agency |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Hawaii?
Hawaii requires liability insurance of at least $40,000 per person and $80,000 per accident for injuries, and $20,000 for property damage (40/80/20). Other required coverage: PIP $10,000.
What happens if you drive without insurance in Hawaii?
A first offense carries a $500 fine (the court can suspend all or part if you show current insurance), or 75 to 100 hours of community service instead if you request it. The court must either suspend your license for three months or require you to keep a nonrefundable insurance policy for six months.
Sources
- cca.hawaii.gov/Auto-Minimum-Limits-FAQs.pdf
- data.capitol.hawaii.gov/SB2342_CD1_.pdf
- www.mauicounty.gov/Financial-Responsibility
- www.honolulu.gov/fee-table
- data.capitol.hawaii.gov/HRS_0431-0010C-0301.htm
- data.capitol.hawaii.gov/HRS_0287-0040.htm
- data.capitol.hawaii.gov/HRS_0431-0010C-0117.htm
- data.capitol.hawaii.gov/HRS_0431-0010C-0103_0005.htm