Who regulates auto insurance in Hawaii?

The Hawaii Insurance Division (within the Department of Commerce and Consumer Affairs) licenses carriers and agents. Visit cca.hawaii.gov/ins/ for license lookup and consumer resources.

Is Hawaii a no-fault state?

Yes — Hawaii is a no-fault state. Drivers must carry personal injury protection (PIP) that covers medical expenses regardless of fault.

What minimum auto insurance is required in Hawaii?

Hawaii requires minimum PIP (no-fault) and liability coverage. Verify current minimums with the Hawaii Insurance Division at cca.hawaii.gov/ins/.

How many carriers offer auto insurance in Hawaii?

Hawaii has fewer active carriers than most states due to its island geography and regulatory environment. Verify which carriers are licensed at cca.hawaii.gov/ins/ and compare all available options.

Does Hawaii require uninsured motorist coverage?

Hawaii requires carriers to offer uninsured motorist coverage. Review whether to accept or waive UM coverage based on your risk tolerance and the rates offered.

Car Insurance in Hawaii

Hawaii's island geography limits carriers and creates a distinct insurance market. The state's no-fault system and limited competition from carriers contributes to premiums that rank among the higher end nationally.

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