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Rental Car Insurance in Hawaii: What Should You Know

  • Auto Insurance
  • Sara Sam
  • 5 minutes

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Aloha from the state of beaches! It is no secret that Hawaii is a place everyone loves to visit and unwind. If you would like to pay a visit, shouldn’t you know about the rental car insurance in Hawaii? Here we look at the rental car requirements in the state and the Hawaii car rental insurance laws; so that you can make a breezy trip for the Hawaiian breeze.  

rental car insurance in hawaii

Do I need rental car insurance in Hawaii? 

Rental car insurance is an optional requirement in Hawaii. All rental car companies provide the minimum liability coverage mandatory in the state. Hawaii is a no-fault state. Therefore, your insurance provider will give you coverage during an accident, irrespective of whose fault.  

In other words, if you rent a car in Hawaii, the rental car company will provide minimum liability insurance, including $20,000 in bodily injury liability insurance per person ($40,000 per accident) and $10,000 in property damage liability coverage per accident.  However, you may already be covered with the apt insurance, which can extend while renting a car in Hawaii.  

In addition, you will also have the right coverage for your rental car through your credit card. If your card includes primary rental car coverage, you do not need extra coverage from the car rental company. However, it will depend on the credit card company and where you rent your car from. Therefore, it is advised to check with the rental car insurance company and your credit card company for the terms and conditions, which will vary.  

You should read this before registering your car in Hawaii.

What are the requirements for renting a car in Hawaii?  

To rent a car in Hawaii, you must meet certain requirements typically set by the car rental company. These requirements may vary slightly depending on the company, but some common requirements include the following: 


In Hawaii, most car rental agencies require renters to be at least 21 years old. Some companies may have a minimum age requirement of 25 for renters. 

Driver’s License 

A valid driver’s license is required to rent a car in Hawaii. In addition to your driver’s license, you may need an International Driving Permit if you are not a US citizen. 


As mentioned, insurance, whether already owned or newly purchased, will save you from unexpected financial liabilities during your drive in Hawaii.   

Similarly, if you plan to have additional drivers, they should meet the same requirements as the primary driver. However, depending on the rental car company, there may be an additional fee for each additional driver.  

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How much is car rental insurance in Hawaii? 

You can expect to pay between $52 and $56 per day for insurance, on average, depending on the company for car rentals in Hawaii. 

Compared to Hertz and Avis, Enterprise’s daily rate of $52 is the most affordable option, while those companies’ rates are $55 and $56 per day, respectively. These rates include rental car insurance coverages like supplemental liability, collision damage waiver, and personal accident insurance. 

Which are the popular car rental companies in Hawaii? 

  • Alamo 
  • Enterprise 
  • Sixt 
  • Budget 
  • Hertz 
  • Thrifty 
  • Advantage 
  • Dollar 

What are the types of insurance coverage by rental car companies in Hawaii?

Consider the various insurance options to ensure you are adequately covered in an accident when renting a car in Hawaii. The types of insurance you can consider when renting a car in Hawaii are mentioned below. This will depend on your needs and demands.  

For example, if you are a safe driver with a good track record, you may feel comfortable with basic CDW and liability insurance. However, if you are a new driver or unfamiliar with Hawaii’s roads, you can consider additional coverage, such as personal accident insurance or supplemental liability insurance. 

Collision Damage Waiver (CDW)  

This is the most basic form of rental car insurance and covers damage to the rental car in case of an accident or theft.  

Liability Insurance  

 This covers damage to other people’s property or bodily injury in case of an accident where you are found to be at fault. 

Personal Accident Insurance  

This covers medical expenses for you and your passengers in case of an accident. 

Personal Effects Coverage  

 Personal effects coverage covers loss or damage to your belongings in the rental car. 

Supplemental Liability Insurance  

This provides additional liability coverage beyond the limits of your primary liability insurance. 

The type of insurance coverage for rental car insurance in Hawaii is your choice. Make it hassle-free and bundle it with discounts of up to $971 by choosing Way.com!

Therefore, rental car insurance in Hawaii is an important consideration. However, before choosing an insurance policy, you should understand the types, assess your risk level, and read the terms and conditions. These steps can help ensure you’re covered in an accident or other incident.

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