Hawaii is a no-fault auto insurance state, and it requires PIP (Personal Injury Protection) of $10,000.
In a no-fault state, your own Personal Injury Protection (PIP) pays your medical bills after a crash regardless of who caused it, and your right to sue the other driver for pain and suffering is limited to serious-injury cases.
Hawaii at a glance
Fault system
No-fault
PIP required?
Yes — $10,000
UM/UIM in minimum?
Not required
Limited no-fault system.
Hawaii Fault System — FAQ
Is Hawaii a no-fault state?
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Hawaii is a no-fault auto insurance state, and it requires PIP (Personal Injury Protection) of $10,000. In a no-fault state, your own Personal Injury Protection (PIP) pays your medical bills after a crash regardless of who caused it, and your right to sue the other driver for pain and suffering is limited to serious-injury cases. Limited no-fault system.
Does Hawaii require PIP or uninsured-motorist coverage?
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Hawaii prescribes Personal Injury Protection (PIP) of $10,000 as part of its minimum coverage. Uninsured/underinsured motorist coverage is not part of the mandatory minimum, but it is worth adding given uninsured-driver risk.
Why does it matter whether Hawaii is no-fault or at-fault?
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It changes who pays and whether you can sue. In a no-fault state your own PIP pays your medical costs first and lawsuits are limited to serious injuries; in an at-fault state the at-fault driver's liability insurance pays and you keep the full right to sue. This affects which coverages you should carry. This is general information, not legal advice — confirm specifics with the Hawaii Department of Insurance or a licensed attorney.
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Sarah Mitchell
Editorial Lead, Property & Casualty
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed July 2026
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