STATE LAW – HAWAII LIBRARY – GUIDE 02
Required Auto Insurance & Minimum Limits in Hawaii
For policies effective on or after January 1, 2026, Hawaii requires at least $40,000 bodily-injury liability per person, $80,000 per accident, and $20,000 property-damage liability, together with at least $10,000 of Personal Injury Protection (PIP) per person.
2026 minimum liability limits
HRS § 431:10C-301 now requires at least $40,000 bodily-injury liability per person, $80,000 per accident, and $20,000 property-damage liability for policies effective on or after January 1, 2026. The Hawaii Insurance Division confirms that these 40/80/20 limits replaced the former 20/40/10 minimums for new and renewal policies effective on or after that date.
Hawaii remains a no-fault/PIP state
The required motor vehicle policy also incorporates PIP coverage under HRS chapter 431:10C. The statutory maximum basic PIP benefit is $10,000 per person for accidental harm, subject to the statute’s eligibility and coverage rules.
Minimum insurance is only the floor
- Identify higher liability limits, umbrella and excess coverage.
- Open the applicable PIP claim promptly.
- Check UM/UIM selections and rejections.
- Separate bodily-injury liability from property-damage and first-party benefits.
Primary sources
HRS § 431:10C-301 and the Hawaii Insurance Division 2026 Auto Minimum Limits FAQ.
PUBLIC-INTEREST LEGAL EDUCATION
VictimsGuide does not provide legal services or create an attorney-client relationship. Insurance requirements, deadlines, remedies and controlling authority can change. Verify current primary authority, policy language and the law applicable to the particular event before legal reliance.
Official Sources
Verify current Hawaii law at the source
The reviewed Hawaii guide content above is preserved. Use current statutes, insurance regulations, controlling cases and the operative policy before legal reliance.
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