# Hawaii minimum auto liability insurance

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, not quoted from the source)_
- **Bodily injury per person:** $40,000 _(verified: appears in the quote below)_
- **Bodily injury per accident:** $80,000 _(verified: appears in the quote below)_
- **Property damage per accident:** $20,000 _(verified: appears in the quote below)_
- **Effective date of current limits:** January 1, 2026 _(verified: appears in the quote below)_
- **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: appears in the quote below)_

## 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.

## Source

- https://cca.hawaii.gov/wp-content/uploads/2026/01/Auto-Minimum-Limits-FAQs.pdf

Last verified: 2026-08-10. Review by: 2027-02-06.
Part of [Minimum auto liability insurance limits by state](https://referencesource.org/auto-insurance-minimums/).