Car Insurance — Hawaii
Hawaii Auto Insurance
Looking for car insurance in Hawaii? Signature Insurance is an independent agency licensed in Hawaii. We shop Progressive, Travelers, First Insurance Hawaii, and Island Insurance and dozens more to find you the right blend of price and coverage.
Get a HI Car Insurance QuoteHawaii Auto Insurance — What's Covered
- liability (bodily injury + property damage)
- collision
- comprehensive
- uninsured/underinsured motorist
- medical payments / PIP
- rental reimbursement
- roadside assistance
Hawaii Auto Insurance Requirements
Hawaii requires at least $40,000 of bodily injury liability per person, $80,000 per accident, and $20,000 of property damage liability (40/80/20).
Hawaii is a no-fault state. Your own personal injury protection (PIP) pays your medical bills after a crash no matter who caused it, and you can sue the other driver only for more serious injuries.
State minimums are a legal floor, not a recommendation. One serious accident can cost far more than these limits, so most drivers are better protected with higher liability limits and uninsured motorist coverage.
Requirements as of 2026. Rules change, so confirm current requirements with your agent.
Top Carriers We Shop in Hawaii
We have direct appointments with Progressive, Travelers, First Insurance Hawaii, and Island Insurance plus dozens of regional and specialty markets.
Auto Insurance in Hawaii FAQ
What are the minimum car insurance requirements in Hawaii?
Hawaii requires at least $40,000 of bodily injury liability per person, $80,000 per accident, and $20,000 of property damage liability (40/80/20). Hawaii is a no-fault state.
How much auto insurance do I need?
At minimum, the liability limits your state requires — but most agents recommend 100/300/100 ($100k bodily injury per person, $300k per accident, $100k property damage) plus uninsured-motorist coverage. If you have meaningful assets to protect, layer an umbrella policy on top.
What discounts can I qualify for?
Common ones we shop for: multi-policy (auto + home), multi-vehicle, paid-in-full, paperless, good driver, defensive driving course, low mileage, telematics, good student, military/affiliation, and homeowner discount (even if your home is insured elsewhere).
Does Signature Insurance write car insurance in Hawaii?
Yes. Signature is a licensed insurance agency in Hawaii with direct appointments with Progressive, Travelers, First Insurance Hawaii, and Island Insurance. You can quote online in 5–10 minutes or call 859-407-4888.
Get Hawaii Car Insurance Quotes
5-minute online quote. Or call 859-407-4888 — Mon–Fri 9–5 EST.