Hawaii requires all drivers to have their vehicles properly insured at all times; however this is a no-fault insurance state. Minimum Auto Liability insurance requirements in the state of Hawaii are as follow:

• $20,000 per one person for bodily injury
• $40,000 for bodily injury caused to more than one person,
• $10,000 for personal injury protection,
• $10,000 for Damage to property,
• $20,000 - 40,000 for Underinsured* and,
• $20,000 for Uninsured*.

* This two types of coverage are completely optional.

Drivers who don't carry with them at the moment of being pulled over by a police officer proof of auto liability insurance can get a citation and fined. This is why it is required to all drivers to carry an auto insurance liability card with them at all times. This card can be provided by the insuring company at the moment of registering with them for a car insurance policy.

Unlike other states, Hawaii doesn't have one single Department of Motor vehicle for the whole State; it has instead, offices on different counties that carry out the DMV's role.

If you don't wish to buy liability insurance, you can also prove financial responsibility by making a deposit at the state treasurer, for this you may want to contact their offices and ask what the minimum deposit is, and also you can buy a secure bond from a surety company that has the right authorization to carry out business in your state.

As previously mentioned, Underinsured and Uninsured motorist are optional types of insurance coverage, none the less, they are recommended to have. Underinsured motorist, as the name explains, will help to pay you when the responsible of the accident doesn't have enough liability coverage to take care of you, your property and your passengers. On the other hand, Uninsured motorist is for those events in which the responsible party lacks completely of auto insurance policy or leaves the scene of the accident, making it a hit and run situation.

There are other types of coverage available that may help protect your such as Comprehensive and Collision, these will help pay for your vehicle's repairs. Comprehensive coverage pays for damages caused by accidents not related to collisions, such as hitting wildlife, bad weather, fire, vandalism, etc. Collision coverage will cover the expenses from fixing your vehicle after a collision with another vehicle or if you hit a wall, light pole or any other object while driving.