Hawaii Minimum Car Insurance Requirements
Hawaii requires drivers to carry liability insurance: $20,000 for bodily injury per person, $40,000 per accident, and $10,000 for property damage.
Driving without insurance can result in license suspension, fines up to $500, and vehicle impoundment.
Proof of insurance must be carried in your vehicle at all times.
Can Immigrants Get a License in Hawaii?
Hawaii does NOT currently allow undocumented immigrants to obtain a regular driver license or state ID based on federal law restrictions.
However, you can get car insurance even without a Hawaii driver license if you have a foreign license, passport, or ITIN number.
Check with your local DMV for any recent policy changes: https://hidot.hawaii.gov
Best Insurance Options for Immigrants in Hawaii
Many national insurers in Hawaii accept ITIN numbers instead of SSN: State Farm, GEICO, and Allstate offer quotes for ITIN holders.
Local Hawaii insurers like HawaianInsurance may also work with immigrants. Always ask directly: "Can I get a quote with an ITIN instead of SSN?"
Compare quotes from at least 3 companies to find the best rate.
Tips for Immigrant Drivers in Hawaii
Keep your original foreign driver license and insurance proof in your vehicle at all times - they are legal documents in Hawaii.
If pulled over, remain calm and provide your license and insurance card. Police do not share information with immigration authorities.
Island insurance rates vary by island (Oahu, Maui, Big Island) - get a quote specific to where you drive.
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $10,000 | Required |
| Bodily Injury (per accident) | $20,000 | Required |
| Property Damage | $10,000 | Required |
| Uninsured Motorist (BI per person) | $10,000 | Required |
| Uninsured Motorist (BI per accident) | $20,000 | Required |
| Uninsured Motorist (PD) | $10,000 | Required |
| Medical Payments (PIP) | $10,000 | Required; No-fault coverage |
Frequently Asked Questions
Yes. Use an ITIN (Individual Taxpayer Identification Number) instead. Hawaii insurers accept ITIN as proof of tax ID. Insurance companies are not immigration enforcement.
No. Hawaii does not issue driver licenses to undocumented immigrants. You need proof of legal presence. Check Hawaii DMV for current requirements.
Hawaii requires: 20/40/10 liability (bodily injury and property damage). This means $20,000 per person, $40,000 per accident, $10,000 property damage.
Geico, State Farm, and Progressive work with ITIN and foreign licenses in Hawaii. Rates vary by driver history and car. Get quotes from multiple companies.
Yes, for the first year as a visitor. After that, you must get a Hawaii driver license. Some insurers require an IDP (International Driving Permit) with foreign license.
