Is Hawaii a no-fault state?
Yes. Hawaii is a no-fault state. Your own insurance pays your injury bills up to your PIP limit, and you can sue only for serious injuries.
Last checked November 9, 2026 · Official sources (6)
How does Hawaii car insurance work?
“Hawaii is a considered a "no-fault state", which means your motor vehicle insurance company will pay the bills for your injuries and your passengers' injuries up to the personal injury protection benefits ("PIP") limit.”
Hawaii Department of Commerce and Consumer Affairs, Insurance Division
What is Hawaii's minimum car insurance?
| Coverage | What Hawaii requires |
|---|---|
| Injury to one person | $40,000 |
| Injuries in one crash | $80,000 |
| Damage to property | $20,000 |
| Personal injury protection (PIP) | You must carry at least $10,000 of PIP for your own medical and rehab costs, no matter who caused the crash. |
| Uninsured motorist | Uninsured (UM) and underinsured (UIM) motorist coverage is optional in Hawaii. You can choose to buy it. |
When can you sue in Hawaii?
You keep the right to sue if your PIP benefits reach $5,000 or more. The law also keeps suits open for death, serious permanent loss of use, or permanent serious disfigurement.
Other no-fault states
Questions
How much insurance does Hawaii require?
Since January 1, 2026, the minimum is $40,000 per person and $80,000 per crash for injuries, plus $20,000 for property damage (40/80/20).
What if you were partly at fault in Hawaii?
You can still recover money if your share of the fault is not greater than the other side's, but your award is cut by your percentage of fault.
When can you sue after a crash in Hawaii?
You can step outside no-fault and sue when your PIP benefits reach $5,000, or for death, a significant permanent loss of use of a body part, or permanent serious disfigurement.
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See if I’m owed moneySources (6)
- Hawaii Department of Commerce and Consumer Affairs, Insurance Division, checked 2026-11-09. “Hawaii is a considered a "no-fault state", which means your motor vehicle insurance company will pay the bills for your injuries and your passengers' injuries up to the personal injury protection benefits ("PIP") limit.”
- Hawaii Department of Commerce and Consumer Affairs, Insurance Division, checked 2026-11-09. “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”
- Hawaii Department of Commerce and Consumer Affairs, Insurance Division, checked 2026-11-09. “Personal Injury Protection (PIP) - At least $10,000 of coverage for your own medical and rehabilitation costs, regardless of fault.”
- Hawaii Department of Commerce and Consumer Affairs, Insurance Division, checked 2026-11-09. “Optional coverages and options you may purchase include: collision and comprehensive, uninsured ("UM") and underinsured ("UIM") coverages”
- Hawaii State Legislature (Hawaii Revised Statutes), checked 2026-11-09. “Contributory negligence shall not bar recovery in any action by any person or the person's legal representative to recover damages for negligence resulting in death or in injury to person or property, if such negligence was not greater than the negligence of the person”
- Hawaii State Legislature (Hawaii Revised Statutes), checked 2026-11-09. “Injury occurs to the person in a motor vehicle accident and as a result of such injury that the personal injury protection benefits incurred by such person equal or exceed $5,000”