Coverage and service on the Islands
If you live in Hawaii or plan to move there, we can help you find the protection you need with USAA Auto Insurance.
Whether you're managing Maui's Hana Highway, cruising to Waimea Canyon or navigating traffic in Honolulu, we can be there for you.
Required car insurance coverage in Hawaii
Hawaii law requires drivers to have the following minimum coverage limits.
Coverage |
Bodily injury liability |
|---|---|
Description |
This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
Minimum requirement |
$20,000 limit per person $40,000 limit per accident |
Coverage |
Property damage liability |
Description |
This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
Minimum requirement |
$10,000 limit per accident |
Coverage |
Uninsured and underinsured motorists bodily injury |
Description |
This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have insurance or doesn’t have enough coverage. |
Minimum requirement |
$25,000 limit per person $50,000 limit per accident |
Coverage |
Personal injury protection |
Description |
This helps cover expenses if you or your passengers are injured in a car accident, regardless of whose fault it is. |
Minimum requirement |
$10,000 limit |
Required car insurance coverage in Hawaii
Hawaii law requires drivers to have the following minimum coverage limits.
| Coverage | Description | Minimum requirement |
|---|---|---|
Bodily injury liability |
This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
$20,000 limit per person $40,000 limit per accident |
Property damage liability |
This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
$10,000 limit per accident |
Uninsured and underinsured motorists bodily injury |
This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have insurance or doesn’t have enough coverage. |
$25,000 limit per person $50,000 limit per accident |
Personal injury protection |
This helps cover expenses if you or your passengers are injured in a car accident, regardless of whose fault it is. |
$10,000 limit |
Hawaii law requires drivers to have the following minimum coverage limits.
| Coverage | Bodily injury liability |
|---|---|
| Description | This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
| Minimum requirement | $20,000 limit per person $40,000 limit per accident |
| Coverage | Property damage liability |
| Description | This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
| Minimum requirement | $10,000 limit per accident |
| Coverage | Uninsured and underinsured motorists bodily injury |
| Description | This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have insurance or doesn’t have enough coverage. |
| Minimum requirement | $25,000 limit per person $50,000 limit per accident |
| Coverage | Personal injury protection |
| Description | This helps cover expenses if you or your passengers are injured in a car accident, regardless of whose fault it is. |
| Minimum requirement | $10,000 limit |
Get up to 30% off your premium at renewal for being a safe driver. See note 4
With USAA SafePilot®, the better you drive, the bigger the discount you may earn.
Hawaii car insurance FAQ
If you’re moving to Hawaii or within the state, you should change the vehicle location on your auto policy. You may also want to review your coverage and deductibles, as insurance needs can change with a move.
It’s also a good idea to check with your state to see if you need to update your vehicle registration.
Some states may require you to carry a physical insurance ID card. We’ll send you a paper ID card in your policy packet. You can also save a digital copy to the USAA Mobile App.
Yes. Drivers are usually required to get personal injury protection or no-fault coverages in Hawaii. That means if you or your passengers are injured in a car accident, then your own auto insurance would help cover related medical costs no matter who caused the accident.