AARP Car Insurance in Hawaii

Save Money on Hawaii Car Insurance with Your AARP Membership

From the scenic city streets of Honolulu to the rural roads in Kauai, driving in Hawaii can be an idyllic experience. But while often described as a paradise, Hawaii experiences extreme weather and unsafe driving conditions. From natural disasters like earthquakes, wildfires and flooding to speeding and distracted driving, it’s important to have auto insurance in Hawaii. That’s where The Hartford can help.

Since 1984, the AARP^® Auto Insurance Program from The Hartford¹ has offered car insurance exclusively to AARP members. Experienced drivers can take advantage of benefits and discounts to help them save on car insurance costs, plus unique policy coverages to meet their needs.

What Are the Minimum Coverage Requirements for Auto Insurance in Hawaii?

Hawaii is a "no-fault" insurance state, which means Hawaii requires every driver to carry bodily injury liability coverage, property damage liability coverage and personal injury protection insurance. With the no-fault system, if you are in a car accident, even if it is clearly not your fault, you will file a claim with your insurance company for damages.

Personal injury protection, or PIP, helps cover expenses like medical bills for you or your passengers, lost wages or funeral costs after a car accident, no matter who is at fault. This coverage applies even if you’re not driving. For example, if you’re injured after getting hit by a car while walking, PIP can help pay for your injuries.

Drivers in Hawaii must carry minimum coverage amounts of:

Required Coverage	Minimum Coverage Amount
Bodily Injury Liability	$20,000 per person $40,000 for total bodily injury per accident
Personal Injury Protection	$10,000 - this protection only covers injuries and only covers up to certain limits
Property Damage Liability	$10,000 per accident

While low coverage amounts may keep the cost down, the cheapest car insurance isn’t necessarily the best. Often, most drivers choose to purchase higher coverage limits or additional coverages to extend their protection and reduce their out-of-pocket costs in case there is an accident.

Additional Hawaii Car Insurance Coverages

The AARP Auto Insurance Program from The Hartford offers various types of car insurance coverage to make sure your needs as a Hawaii driver are met, including:

Collision insurance to help pay for damage done to your car if you hit another vehicle or object. Collision insurance is not required by state laws, but your lender may require that you purchase this coverage.
Comprehensive insurance, which pays to repair damage to your car from things like natural disasters, theft, vandalism or collision with an animal. Similar to collision coverage, it may not be mandated by Hawaii laws, but your lender may require this coverage if you have a loan on your car.
Uninsured/underinsured motorist coverage to help cover damages if you are hit by a driver who doesn’t have car insurance or doesn’t have enough car insurance to cover the costs of damages and injuries.
Medical payments coverage, which helps pay for medical expenses and rehabilitation.²

Those are just some of the many insurance coverages to help keep you and you loved ones safe on the road. To learn more about auto insurance in Hawaii and the coverage options available to you, call The Hartford at 888-546-9099.

How Much Does Hawaii Car Insurance Cost?

The average car insurance cost for Hawaii customers of the AARP Auto Insurance Program from The Hartford is $1,305 a year, or close to $109 per month.^‡‡‡ However, car insurance rates vary and depend on several factors, like your location, driving history and type of car insured.

To Help AARP Members Save on Hawaii Auto Insurance

AARP members in Hawaii can take advantage of car insurance discounts through the AARP Auto Insurance Program from The Hartford to help them save, including:

Bundle Discount

Bundling your insurance in Hawaii is a quick and easy way to save. With the AARP Auto and Home Insurance Program from The Hartford, you could save an average of $800 by bundling your auto and home insurance policies.**

Paid-in-Full Discount

You’re eligible for extra auto insurance discounts if you pay your bill in full rather than making monthly payments.

Safety Feature Discount

You can get additional savings if your car has certain safety features, like anti-lock brakes.

Online Quote Discount

When you get a car insurance quote from the AARP Auto Insurance Program from The Hartford online today, you can get a discount (in most states).

The Hartford also offers discounts related to driver education and training, like:

Safe Driver Training Discount

You can save on car insurance rates for drivers under 21 years old (under 25 in Georgia) if they complete an approved training course.

Defensive Driver Course Discount

If you’ve completed an approved defensive driving course, you can enjoy a discount on your car insurance for the next three years.

Hawaii Car Insurance FAQs

What Auto Insurance Is Required in Hawaii?

The Hartford can help if you’re wondering, “Is car insurance required in my state?” For Hawaiians, the answer is yes. Hawaii requires at least state minimum amounts to be met for liability coverages and personal injury protection.

What Happens if You Don’t Have Car Insurance in Hawaii?

Driving without the required car insurance coverages in Hawaii could result in penalties such as heavy fines, suspension of your driver's license, surrendering your registration and license plates, and even possible imprisonment.

How Do You Get Car Insurance in Hawaii?

The Hartford is an insurance company that makes it easy to get the protection you deserve as an experienced driver. Our “how to get car insurance” checklist includes steps for getting auto insurance in Hawaii and the key information you’ll want on-hand, such as:

Personal details, like your name, address and date of birth.
Vehicle information, like the year, make and model of your car or the VIN number.
Driver details, like who else needs to be named on the policy and which car they drive the most.

In minutes, you can get a customized car insurance quote with the AARP Auto Insurance Program from The Hartford online or by calling 888-546-9099.

Why Is Hawaii a No-Fault State?

Hawaii is one of several no-fault states. With the no-fault insurance system, if you are in a car accident, even if it is clearly not your fault, you will file a claim with your insurance company for damages. This is intended to simplify the process for drivers who wish to obtain compensation after an accident by reducing the number of lawsuits in small claims court, as this can slow down the reimbursement process.

Get a Quote for Car Insurance in Hawaii

With over 200 years of experience protecting individuals and their assets, The Hartford is here when you need us most. Discover the savings and benefits available to you through the AARP Auto Insurance Program from The Hartford. Call 888-546-9099 or get a free Hawaii car insurance quote online today. All you need is a zip code to get started!

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Car Insurance in Plain English

Quick answers and easy-to-understand auto insurance definitions written with you in mind.

To learn more, read through our auto insurance definitions page.

Last Updated: January 24, 2025

² Medical payments are calculated on the basis of usual, customary and reasonable charges.

** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.

^§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage^® is a registered mark of The Hartford.

^§§ Terms and conditions apply.

^‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.

^‡‡ Terms and conditions apply. Availability varies by state.

^‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).

Additional disclosures below.