Insurance Requirements for Car Registration in Hawaii

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The state of Hawaii requires that all drivers carry automotive insurance, or “financial responsibility,” in order to operate a vehicle legally. Hawaii is a no-fault state, meaning that your insurance pays for your damages and bills in the event of an accident, regardless of who or what caused the accident.

The minimum liability insurance required for vehicle owners under this law is as follows:

  • $10,000 for Personal Injury Protection, which covers any injuries you or your passengers suffer in an automotive accident.

  • $25,000 for Property Damage Liability, which covers damage caused to another’s property by your vehicle (such as buildings or road signs).

  • $20,000 for Bodily Injury insurance per person; this means that the total minimum a driver must carry for Bodily Injury insurance is $40,000, to cover the lowest possible number of people involved in an accident (the two drivers).

This means that every driver must carry a total of $55,000 in liability insurance for each vehicle they own in Hawaii.

Other types of insurance

While these are the only types of insurance required by the state of Hawaii, other types of insurance are recognized for additional coverage. These include:

  • Collision insurance, which pays for damages to your vehicle that resulted from an automotive accident.

  • Comprehensive insurance, which pays for damage to your vehicle that was not the result of an accident (such as weather-related damage or theft).

  • Uninsured Motorist or Under-Insured Motorist insurance, which covers the costs of an accident involving a driver who did not carry the proper amount of legally required insurance.

Proof of insurance

Every driver must carry a valid car insurance card from an authorized insurer with them at all times when operating a vehicle, and must present their insurance card to any law enforcement officer who requests it.

Another valid proof of insurance in Hawaii is an SR-22 document, which verifies that you carry certified auto insurance. This document is filed with the DMV by the auto insurance provider, and is usually only required for those drivers who had to reinstate their licenses after being convicted of a DUI or other reckless driving charge.

Violation penalties

Driving without the proper insurance in Hawaii can result in fines and jail sentences, including:

  • Up to $1,000 in fines for the first offense

  • Up to $3,000 in fines for subsequent offenses

  • A jail sentence of up to six months

  • Possible suspension of your driver’s license

A driver who is legally required to carry an SR-22 proof of insurance and fails to maintain their insurance, will have their driver’s license suspended until they obtain new insurance, and a new SR-22 is filed.

If you are asked to produce a proof of insurance card, and you cannot provide one, you may also face traffic tickets and associated fines.

For more information, contact the government of Hawaii on their Department of Commerce and Consumer Affairs website.


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Bernie

50 years of experience
41 reviews
Bernie
50 years of experience
Honda Accord - Brake Pads Replacement (Rear) - Phoenixville, Pennsylvania
I specifically asked for Bernie to come back, since I was so pleased with the work he did on our other car. This time I got to meet Bernie personally. He is a kind family-man who exhibited the quiet confidence of someone you would expect with the 50 years of automotive experience that he has. I felt very comfortable giving him the key to my car. Two of my kids (ages two and four) came out to greet him, since they remembered him from his first visit. Bernie is great around kids and was very kind to my two-year old son who was trying to "help" Bernie do his job. Thanks again, Bernie!
Honda Odyssey - Brake Pads Replacement (Front, Rear) - Phoenixville, Pennsylvania
I was very pleased with Bernie's work, professionalism, and courteousness. Best brake job I have ever had, and I have had many done (and several done myself, but not on this vehicle). This was a maintenance appointment -- not a repair of something broken -- so I was surprised when the brakes felt so much better after Bernie did the work. You can really see the care he took with our vehicle when I examined everything after he was finished. Thanks, Bernie!

Daniel

9 years of experience
17 reviews
Daniel
9 years of experience
Hyundai Sonata - Brake Pads Replacement (Front, Rear) - Sacramento, California
Awesome customer service. On time and answered my questions with patience. Listened to my concerns and made helpful suggestions. Seemed very knowledgeable and experienced. I will be glad to request him again. Thank you!!

Breck

18 years of experience
532 reviews
Breck
18 years of experience
Toyota RAV4 - Brake Pads Replacement (Rear) - Conroe, Texas
Breck was awesome! He called ahead of time and asked if he could arrive early. He was friendly and easy to talk to. He made me feel comfortable with the service he was going to provide and explained things clearly to me. He smiled and made this experience a good one. I will absolutely be booking future appointments with Breck and I will recommend him and Your Mechanic services to others I know. Thank you!

Brian

19 years of experience
101 reviews
Brian
19 years of experience
BMW Z4 - Brake Pads Replacement (Rear) - Phoenix, Arizona
Brian knows what he is doing and I am so happy yourmechanic.com suggested him for my Z4 car inspection prior to purchasing and even happier he was available to perform my 1st service on the vehicle I purchased. His knowledge on the brand gave him ability to to an in depth inspection and he communicated very well informing me what to prepare for in ownership of my BMW. When he came to perform maintenance on my vehicle he shared so many tips with me. I will absolutely be having Brian come back out when I need future servicing on my car.

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