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Hawaii Car Insurance for Senior Drivers

Hawaii requires 40/80/20 liability coverage and is a no-fault state.

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Hawaii at a Glance

40/80/20

Minimum liability limits, in thousands of dollars (per person / per accident / property)

No-fault

Each driver's own policy pays their injuries first, whoever caused the crash

Required

PIP coverage must be on every policy

72

Age when license renewal rules change, with a vision test at renewal

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Hawaii

Hawaii operates as a no-fault state, meaning your own Personal Injury Protection (PIP) coverage pays your medical bills after an accident regardless of who caused it. Hawaii requires proof of financial responsibility for all registered vehicles, verified through the state's mandatory insurance verification system. All policies in Hawaii must include both liability coverage and PIP — the state automatically rejects registration renewals if insurance lapses.

Bodily Injury Liability

Pays medical expenses and lost wages for others you injure in an at-fault accident. Hawaii's 20/40 minimum is among the lowest in the nation and covers less than one emergency room visit plus ambulance transport at current costs.

Property Damage Liability

Covers damage you cause to another vehicle or property. Hitting a newer SUV, damaging roadway infrastructure, or striking multiple parked vehicles can exhaust this limit in a single incident.

Personal Injury Protection (PIP)

Pays your medical bills, lost income, and funeral expenses after an accident, regardless of fault.

Uninsured Motorist Coverage

Pays your medical bills and vehicle damage when an uninsured driver hits you. Rejection of uninsured motorist coverage must be made in writing at policy inception — verbal rejection is not recognized, and the coverage is added automatically if the written rejection form is not completed and signed.

Collision Coverage

Pays to repair or replace your vehicle after an accident, regardless of fault. Not required by Hawaii law but typically mandated by lenders if you finance or lease.

Comprehensive Coverage

Covers damage to your vehicle from theft, vandalism, weather, falling objects, and animal strikes. Hawaii has one of the highest vehicle theft rates in the U.S., with Honolulu ranking in the top 20 metro areas for theft claims.

What Drivers Pay in Hawaii

$84–$143/mo

Typical monthly rate in Hawaii, drivers 65 and over

Rate data: MoneyGeek and Insure.com, 2026

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Mature-driver discount

Not required by state law

Mature-driver discounts here are set by each insurer.

Source: state statutes and insurance departments, verified July 2026

Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. Hawaii's 20/40/10 minimum is insufficient for serious accidents.

Comprehensive Coverage

Pays for vehicle damage from theft, weather, vandalism, and falling objects. Not required by Hawaii but protects against non-collision losses.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance. Optional in Hawaii but recommended given the 11–13% uninsured driver rate.

Full Coverage

Liability, PIP, collision, comprehensive, and uninsured motorist combined. Only cost-effective for seniors driving vehicles worth more than $10,000.

Find Your City in Hawaii

Honolulu

urban

Pearl City

suburban

Hilo

urban

Kailua

suburban

Waipahu

suburban