Motor vehicle insurance coverages — Hawaii Permit Test

Motor vehicle insurance coverages on the Hawaii permit test — 5 rules, each with the reason behind it and a question on it while it is fresh.

The rules

Every owner of a car, bus or truck in Hawaii must have motor vehicle insurance to register or drive it.

An uninsured driver who causes a crash leaves the other family paying their own hospital bills.

Every owner of a car, bus or truck must have motor vehicle insurance in order to register or operate a vehicle in the State.
State of Hawaii Driver’s Manual, p.54

Hawaii's required basic benefits pay up to $10,000 per person for medical and rehabilitative expenses.

Even a short hospital stay after a crash can cost more than a family has saved.

The basic benefits include up to $10,000 per person for:
State of Hawaii Driver’s Manual, p.54

Hawaii's minimum liability coverage for bodily injury is $20,000 per person, with a limit of $40,000 per accident.

When you injure two people in one crash, the per-accident limit is what both of them share.

It includes liability coverage of $20,000 per person with an aggregate limit of $40,000 per accident for bodily injury and $10,000 for property damage per accident.
State of Hawaii Driver’s Manual, p.54

Hawaii's minimum liability coverage includes $10,000 for property damage per accident.

Without property damage coverage, the owner of the car you hit pays for their own repair.

It includes liability coverage of $20,000 per person with an aggregate limit of $40,000 per accident for bodily injury and $10,000 for property damage per accident.
State of Hawaii Driver’s Manual, p.54

Hawaii's minimum insurance does not pay for damage to your own car unless you buy additional coverage.

A driver who thinks the basic policy fixes their own car finds out only after the crash.

Damage to your own car will not be covered unless you have additional insurance coverage.
State of Hawaii Driver’s Manual, p.54

On the test

In Hawaii, who must have motor vehicle insurance?

Every owner of a car, bus or truck. An uninsured driver who causes a crash leaves the other family paying their own hospital bills. State of Hawaii Driver’s Manual, p.54: “Every owner of a car, bus or truck must have motor vehicle insurance in order to register or operate a vehicle in the State.”

How this works

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You read one law and the reason behind it, then answer a question on that law while it is still fresh. Get it right and you move on; get it wrong and you have found the gap while it is cheap to fix, not on the morning of the exam.

Learning one rule at a time, and proving it immediately, is what turns a manual you skimmed into something you actually know — and it makes studying feel like getting somewhere rather than like waiting to find out.

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All Hawaii permit topics

Where these come from

Every rule here is checked against State of Hawaii Driver’s Manual, published by the Hawaii Department of Transportation, and against the state code itself. Last checked 2026-10-05.