Insurance requirement guides for Hawaii.
$40,000 / $80,000 / $20,000
Bodily injury per person / per accident / property damage, written 40/80/20
Set by Act 138 (S.B. 2342), HRS 431:10C-301. Read off the statute on , and the figure every Hawaii guide on this site is checked against.
Compare it with every stateInsurance regulation
Registration and insurance verification
Hawaii has no state boat insurance mandate, but a DOBOR mooring permit requires at least $500,000 boat liability naming the State, plus salvage, dock damage, pollution and wreck-removal cover. Inter-island channels like the Kaiwi and Alenuihaha present ocean hazards unlike any mainland US state.
When Hawaii doubled its car minimum to 40/80/20 in 2026, motorcycles stayed at 20/40/10 — a separate statute the Act never touched. Riders are excluded from PIP too.
Hawaii doubled every liability minimum at once on 1 January 2026, from 20/40/10 to 40/80/20 — the first change in about 25 years. PIP did not move, and nor did motorcycles.
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Every guide on this page covers a Hawaii requirement: what the law makes you carry, who it applies to, and what happens without it. The auto liability minimum above is read off the statute itself, and each Hawaii guide on this site is checked against that same figure. The regulators linked above are where Hawaii publishes the rules, so they are the place to confirm anything before you rely on it.
