Hawaii (HI) Insurance Law


This is a copy of the Law as it was when posted. We believe it to be accurate and complete, but we make no guarantees or warrantees. If you know there to be a mistake in what is posted here, please inform us of such by clicking here.

Hawaii Car & Motorcycle Insurance

  • Liability Required? YES
  • Personal Injury Protection Required? YES
  • No Fault State? YES
  • Uninsured Motorist Coverage Required: YES

Required Minimum Bodily Injury Coverage

  • $20,000 per person injured in any one accident and $40,000 for all persons injured in any one accident

Required Minimum Property Damage Coverage

  • $10,000 for injury to or destruction of property of others in any one accident

Optional Insurance Coverage

  • Uninsured (UM) and Underinsured Motorist (UIM) Coverage. If purchased, the coverage must be at least the minimum required for bodily injury liability coverage. If the offer to purchase UM/UIM is rejected, the insurance company has no obligation to explain to the insured that he or she has an option to stack policies and to select UM/UIM in amount up to but not greater than the bodily injury liability coverage purchased.

Special Rules for Motorcycle Owners

  • Insurance companies are required to offer motorcycle owners a medical expense coverage plan to cover medical expenses up to $10,000. They are also required to offer an income disability plan and bodily injury liability coverage in excess of the minimum required. Insurance companies are not required to offer motorcyclists UM/UIM coverage.

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