Teen Drive Insurance
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Hawaii Teen Driver Insurance: Costs & Discounts

Hawaii requires 40/80/20 liability coverage and is a no-fault state.

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Hawaii at a Glance

40/80/20

Minimum liability limits, in thousands of dollars (per person / per accident / property)

No-fault

Each driver's own policy pays their injuries first, whoever caused the crash

Required

PIP coverage must be on every policy

15½

Minimum learner's permit age, 50 supervised driving hours

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Hawaii

For teen drivers, Hawaii's graduated licensing program includes a learner's permit phase starting at age 15½, a provisional license phase from age 16 to 17 with passenger and nighttime driving restrictions, and full licensure at age 17. Hawaii is one of the few states that legally mandates insurers offer a good student discount to drivers under 25 who maintain a B average or higher, giving parents an enforceable right to that discount.

Liability Insurance

Hawaii's 20/40/10 minimum is below the national average and may not adequately protect a parent's assets if their teen driver causes a serious accident. Many parents raising coverage to 100/300/100 when adding a teen driver, as the incremental cost is often modest compared to the exposure risk. For a teen driving a parent's newer vehicle, higher liability limits are typically recommended.

Uninsured/Underinsured Motorist Coverage

Uninsured motorist coverage is not legally required in Hawaii but is widely recommended, especially for teen drivers who may be less experienced at avoiding collisions. This coverage protects your family if your teen is hit by a driver with no insurance or insufficient coverage. Given that a portion of Hawaii drivers carry only state minimums, UM/UIM coverage offers an additional layer of financial protection for families.

Collision Coverage

Collision coverage pays to repair or replace your teen's vehicle after an accident, regardless of fault. If your teen is driving a financed or leased vehicle, collision coverage is required by the lender.

Comprehensive Coverage

Comprehensive coverage protects against non-collision damage such as theft, vandalism, weather damage, and animal strikes. In Hawaii, where tropical storms and flooding can occur, comprehensive coverage is particularly relevant for families in coastal or flood-prone areas. Like collision, comprehensive is required by lenders for financed vehicles but optional for older paid-off cars.

Full Coverage

Full coverage is an industry term for a policy that includes liability, collision, and comprehensive coverage together. For parents adding a teen driver to their policy, full coverage is standard if the teen will be driving a newer or financed vehicle. For teens driving an older vehicle, parents often choose liability-only to manage costs, especially in the first year when rates are highest.

What Drivers Pay in Hawaii

$136–$202/mo

Typical monthly rate in Hawaii, adding a driver aged 16–19 to a parent's policy

Rate data: Insurify and ValuePenguin, 2025

What Affects Your Rate

  • Graduated licensing stage: Teens with learner's permits typically pay less than those with provisional or full licenses, as they are restricted to supervised driving.
  • Multi-car and multi-policy discounts: Adding a teen to a parent's existing multi-car or bundled home/auto policy almost always results in lower overall costs than purchasing a separate standalone policy for the teen.
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Cover Your New Driver for Less

Compare Teen Driver Insurance Rates

Rules for new drivers

Night driving

11pm-5am

Passengers

no more than 1 passenger younger than 18

Source: IIHS and state DMV records, verified July 2026

Coverage Types

Liability Insurance

Covers injuries and property damage your teen causes to others. Hawaii's 20/40/10 minimum is low for families with assets to protect.

Collision Coverage

Pays to repair or replace your teen's vehicle after an accident, regardless of fault. Required by lenders for financed vehicles.

Comprehensive Coverage

Covers non-collision damage like theft, vandalism, weather events, and animal strikes.

Uninsured/Underinsured Motorist Coverage

Protects your family if your teen is hit by a driver with no insurance or insufficient coverage.

Full Coverage

Industry term for a policy combining liability, collision, and comprehensive coverage. Standard for financed vehicles.

Good Student Discount

Hawaii mandates insurers offer this discount to drivers under 25 who maintain a B average or higher.

Find Your City in Hawaii

Honolulu

urban

Pearl City

suburban

Hilo

urban

Kailua

suburban

Waipahu

suburban