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Hawaii Insurance Guide
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Insurance in Hawaii
Find comprehensive insurance information for Hawaii (HI) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Pacific region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Hawaii (HI) |
| Region | Pacific |
| Population | ~1.4M residents |
| Health Marketplace | Healthcare.gov |
| Insurance Regulator | Hawaii Department of Insurance |
Health Insurance in Hawaii
Hawaii residents can find health coverage through:
- Healthcare.gov - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Hawaii
Hawaii has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Hawaii
Protect your home with coverage tailored to Hawaii’s specific risks and requirements.
Life Insurance in Hawaii
Find life insurance options available to Hawaii residents to protect your family’s financial future.
How Hawaii Compares
Understanding how Hawaii stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Hawaii | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,278 | $1,935 | -34% (near average) |
| Health Insurance (monthly) | $667 | $477 | +40% (above average) |
| Home Insurance (annual) | $1,789 | $2,377 | -25% (above average) |
| Uninsured Rate | 3.5% | 9.5% | -63% (among the best) |
Key Insights
- Hawaii has one of the lowest uninsured rates in the nation (#2), indicating strong access to coverage.
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Hawaii Department of Commerce and Consumer Affairs - Insurance Division (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Healthcare.gov - Hawaii (opens in new tab) - Federal health insurance marketplace for Hawaii
- Hawaii Hurricane Relief Fund (opens in new tab) - Hurricane coverage information for Hawaii residents
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Hawaii address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Hawaii Insurance Division
- Phone
- 808-586-2790
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Hawaii?
Hawaii requires minimum liability coverage of 20/40/10: $20,000 per person for bodily injury, $40,000 per accident for bodily injury, and $10,000 for property damage. Personal Injury Protection (PIP) of $10,000 is also required as Hawaii is a no-fault state.
Does Hawaii require employers to provide health insurance?
Yes, Hawaii’s Prepaid Health Care Act requires employers to provide health insurance to employees working 20+ hours per week. This makes Hawaii unique among states and results in one of the lowest uninsured rates in the nation.
Does Hawaii homeowners insurance cover hurricane damage?
Standard homeowners insurance covers wind damage from hurricanes, but flood damage requires separate flood insurance. Many Hawaii insurers have separate hurricane deductibles, often 1-5% of the dwelling coverage amount.
Is lava and volcanic damage covered by homeowners insurance in Hawaii?
Coverage varies by policy. Some standard policies exclude volcanic eruption damage, while others cover it. If you live on the Big Island or near volcanic areas, verify your policy covers volcanic damage or obtain separate coverage.
What is the average cost of car insurance in Hawaii?
Hawaii drivers pay approximately $1,200-$1,500 per year for full coverage auto insurance, which is below the national average. However, repair costs are higher due to parts shipping, so adequate coverage is still important.
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