Hawaii Auto Insurance Guide 2025

Understanding Auto Insurance in Hawaii

Hawaii residents have unique insurance needs due to local regulations and driving conditions. This comprehensive guide covers everything you need to know about auto insurance in 2025.

Minimum Requirements in Hawaii

Hawaii law requires all drivers to carry minimum liability coverage:

• Bodily Injury Liability: $25,000 per person / $50,000 per accident
• Property Damage Liability: $25,000
• Uninsured Motorist: Recommended

⚠️ Minimum coverage may not be enough. Experts recommend at least $100,000/$300,000 for full protection.

Top Insurance Companies in Hawaii

How to Save Money on Auto Insurance in Hawaii

1. Compare quotes from at least 5 providers
2. Bundle policies - save 15-25% by combining home & auto
3. Raise your deductible - $500→$1000 saves 15-20%
4. Ask about discounts - good driver, low mileage, safety features
5. Maintain good credit - better credit = lower rates