Hawaii insurance laws
Insurance regulations, rate filing requirements, department info, and recent bulletins for Hawaii. Updated Mar 31, 2026.
Department of Insurance
Hawaii maintains a comprehensive insurance regulatory framework under HRS Chapter 431, overseen by the Insurance Division within the Department of Commerce and Consumer Affairs. The state employs a prior approval rate system for most insurance products, including workers' compensation, motor vehicle, and property/casualty insurance. Hawaii is unique in requiring employers to provide health insurance under the Prepaid Health Care Act of 1974, and operates a no-fault auto insurance system with mandatory PIP coverage.
Auto Insurance
Notable Laws
- HRS § 431:10C-301 - Mandatory motor vehicle insurance requirement with $40,000/$80,000/$20,000 minimum liability limits effective January 1, 2026
- HRS § 431:10C-304 - Personal Injury Protection (PIP) required at minimum $10,000 per person for medical expenses, lost wages, and funeral benefits
- HRS § 431:10C-301.5 - Uninsured/Underinsured Motorist (UM/UIM) coverage required, minimum equals bodily injury limits
- HRS § 431:10C-306 - Modified no-fault system with tort liability threshold for serious injuries including death, permanent disfigurement, or fractures
- HRS § 431:10C-117 - Penalties for driving without insurance: minimum $500 fine and 3-month suspension for first offense, $1,500+ and 1-year for repeat
Homeowners Insurance
Notable Laws
- HRS § 431:10-226.5 - Notice requirements: 20 days for cancellation, 60 days for nonrenewal effective January 1, 2026 per Act 110
- HRS § 431:21 - Hawaii Property Insurance Association (HPIA) serving as insurer of last resort for property unable to obtain coverage
- HRS Chapter 431P - Hawaii Hurricane Relief Fund providing hurricane coverage when unavailable in private market, expanded to condominiums
- HRS § 431:14-110.8 - Credit scoring prohibited for homeowners insurance underwriting or rating decisions
- HRS § 431:10-226 - Insurers must provide specific reasons for nonrenewal and cannot nonrenew solely due to age of structure or claims history alone
Recent Bulletins
The Use of Artificial Intelligence Systems in Insurance
Memorandum addressing the use of AI systems by insurers in Hawaii, establishing guidelines and requirements for artificial intelligence implementation in insurance operations.
View bulletinGeneral Requirements and Filing Instructions for Property and Casualty Rate, Rule and Form Filings
Updates to P&C insurance filing guidelines, establishing procedures for rate, rule, and form filings in the property and casualty market.
View bulletinInsurance Requirements for Peer-to-Peer Car-Sharing
Establishes insurance requirements and guidelines for peer-to-peer car-sharing platforms operating in Hawaii.
View bulletinHurricane Insurance Data Call and Worksheet
Annual data call requiring insurers writing residential hurricane coverage to submit hurricane-related premium and exposure data.
View bulletinNotice of Cancellation or Nonrenewal for Residential Property Insurance Policies - Act 110 Clarification
Clarifies application of Act 110 (SB 752), effective January 1, 2026, which amends notice requirements for cancellation and nonrenewal of property insurance policies, increasing notice periods to 20 days for cancellation and 60 days for nonrenewal.
View bulletinRecent Law Changes
Property Insurance Cancellation and Nonrenewal Notice Requirements
Amends notice requirements for property insurance cancellations and nonrenewals. Increases cancellation notice from 10 to 20 days, and nonrenewal notice from 30 to 60 days for residential property insurance policies.
Property insurers must provide longer advance notice to policyholders before canceling or not renewing policies, giving homeowners more time to find alternative coverage.
Effective: 2026-01-01
Hawaii Hurricane Relief Fund and Property Insurance Association Expansion
Reactivates and expands the Hawaii Hurricane Relief Fund (HHRF) to provide hurricane insurance coverage for condominiums when private market coverage is unavailable. Also expands the powers of the Hawaii Property Insurance Association.
Condominium associations and property owners gain access to last-resort hurricane coverage through the state-backed fund, addressing the property insurance availability crisis.
Effective: 2025-07-08
Pet Insurance Regulation
Establishes a comprehensive regulatory framework for pet insurance based on the National Association of Insurance Commissioners' Pet Insurance Model Act, including disclosure requirements, claims standards, and prohibited practices.
Pet insurance consumers receive stronger protections through standardized policy disclosures, clearer coverage terms, and regulated insurer practices.
Effective: 2026-01-01
Prior Authorization Data Reporting and Reform
Requires health insurers and utilization review entities to submit data on prior authorization practices to the State Health Planning and Development Agency. Establishes a working group to develop standardized prior authorization criteria and appropriateness standards.
Healthcare providers and patients benefit from increased transparency in prior authorization processes, potentially reducing delays in medical treatment approvals.
Effective: 2025-06-03
Hawaii Travel Insurance Act
Establishes a new regulatory framework for travel insurance based on the NCOIL/NAIC Travel Insurance Model Act, including licensing requirements for limited lines travel insurance producers and consumer protection standards.
Travel insurance consumers receive standardized protections while the law streamlines licensing for travel insurance sellers, making Hawaii the 40th state to adopt the model law.
Effective: 2025-07-01
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