Teen Driver Insurance in Hawaii: Parent & New Driver Guide
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
State Requirements
These minimums apply whether you're adding a teen to your existing policy or they're getting their first standalone policy. The state also mandates insurers offer good student discounts to policyholders under 25 who maintain a B average or better, making this one of the most accessible cost-reduction tools for families. Hawaii's graduated licensing system requires teens to hold a learner's permit for at least 180 days before progressing to an intermediate license at age 16, then an unrestricted license at 17—each stage affects both insurance rates and coverage considerations.
Liability Insurance
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Full Coverage
Cost Overview
$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
Add Your Teen Without Doubling Your Bill
Compare Teen Driver RatesRules 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
Frequently Asked Questions
What are Hawaii's graduated licensing restrictions for teen drivers?
Hawaii requires teens to hold a learner's permit for at least 180 days (6 months) starting at age 15½, then they can apply for an intermediate license at 16. Intermediate license restrictions include: no more than one non-family passenger under 18, nighttime driving curfew from 11pm–5am, and no cell phone use (handheld or hands-free). After completing 6 months with an intermediate license and no violations, teens can apply for a full unrestricted license at age 17.
Does my teen need car insurance if they only have a learner's permit in Hawaii?
Yes. Even with a learner's permit, your teen must be listed on your auto insurance policy once they begin driving, as they're operating the vehicle under your supervision. Most insurers in Hawaii charge a reduced rate for learner's permit holders compared to intermediate or full license holders, but they must be disclosed to your insurer. Failure to list a household teen driver can result in claim denials and policy cancellation.
Coverage Types
Liability Insurance
Required in Hawaii at 20/40/10 minimums, but parents adding teen drivers should strongly consider 100/300/100 or higher to protect family assets if the teen causes a serious accident.
Collision Coverage
Pays to repair your teen's vehicle after an at-fault accident. Required if financing, optional if the vehicle is paid off and older.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and volcanic activity—particularly relevant in Hawaii where heavy rain, lava flows, and vehicle theft are real risks.
Uninsured Motorist Coverage
Protects your family if your teen is hit by an uninsured driver—required to be offered in Hawaii at the same limits as your liability coverage, though you can reject it in writing.
Full Coverage
State minimum liability plus collision and comprehensive. Standard package for teens driving financed or newer vehicles, and the baseline most parents use when adding a teen to their policy.
Medical Payments Coverage
Optional coverage that pays medical expenses for you and your passengers after an accident, regardless of fault. Hawaii does not require this, but it can cover gaps in health insurance deductibles.