Hawaii Insurance Requirements & Rates

Hawaii requires minimum liability coverage of 20/40/10 (bodily injury per person / per accident / property damage). Hawaii is a no-fault state, meaning your own insurance pays for your injuries regardless of who caused the accident. Uninsured motorist coverage is not required but recommended. Personal injury protection (PIP) is also required.

Hawaii homeowners face risks from hurricanes, volcanic eruptions, flooding, tsunamis. The flood risk level is moderate and earthquake risk is high. Standard deductibles apply. The average annual home insurance premium is $1,039.

Hawaii requires riders under 18 to wear helmets. Lane splitting is not legal. Eye protection is required for all riders. The riding season is year-round.

Yes, workers' compensation insurance is required in Hawaii. Sole proprietors with no employees may opt out. Hawaii has approximately 140,000 small businesses, with top industries including Tourism & Hospitality, Military & Defense, Agriculture.

Yes, Hawaii has expanded Medicaid. The state uses the federal marketplace at healthcare.gov. The uninsured rate is 4%.

Yes, landlords in Hawaii can require tenants to carry renters insurance as a condition of the lease. About 42% of Hawaii residents are renters, with average monthly rent of $1,835.

With a median household income of $84,857, most Hawaii families should consider 10-12x their annual income in life insurance coverage. Currently, 52% of Hawaii households have life insurance.