Hawaii minimum auto liability insurance
$40,000
Minimum bodily injury liability per person, per the state's own statute or insurance department page, quoted below.
For Hawaii minimum auto liability insurance, bodily injury per person is $40,000; bodily injury per accident is $80,000; property damage per accident is $20,000; effective date of current limits is January 1, 2026, recorded from its source on 2026-08-10.
- State
- Hawaii our reading
- Bodily injury per person
- $40,000 verified
- Bodily injury per accident
- $80,000 verified
- Property damage per accident
- $20,000 verified
- Effective date of current limits
- January 1, 2026 verified
- Issuing authority
- Hawaiʻi Insurance Division, Department of Commerce and Consumer Affairs
- Notes
- The previous minimum was 20/40/10; the new 40/80/20 limits apply to all new and renewal policies with effective dates on or after January 1, 2026. verified
Values marked our reading are our classification of what the source says — the source does not print them in those words. The quote below is the evidence for each one; judge it yourself.
What the source says
As of January 1, 2026, Hawaiʻi law increased the minimum liability insurance coverage limits that all drivers and motor vehicle owners must carry. The updated limits replace the prior minimums and apply to all new and renewal policies with effective dates on or after January 1, 2026. What are Hawaiʻi’s new minimum auto insurance liability limits? Under the law effective January 1, 2026, the minimum liability limits required are: $40,000 Bodily Injury Liability per person $80,000 Bodily Injury Liability per accident $20,000 Property Damage Liability per accident These limits are commonly shown as 40/80/20. Why did these minimum limits change? The previous minimum (20/40/10) was set many years ago and has not kept pace with the rising costs of medical care and vehicle repairs. Updating the minimums to 40/80/20 helps ensure injured parties receive greater financial protection following an accident. The change also aims to reduce the number of underinsured drivers who choose minimal coverage that may not adequately protect others involved in a crash.
— cca.hawaii.gov, retrieved 2026-08-10
Source
- cca.hawaii.govhttps://cca.hawaii.gov/wp-content/uploads/2026/01/Auto-Minimum-Limits-FAQs.pdf