Hawaii permit test: laws, points & insurance

Points systems, suspensions, insurance, registration and other legal duties. 7 questions.

Question 1 of 7
Laws, points & insuranceHawaii rule

Under the Hawaii insurance law in force since January 1, 2026, what is the minimum bodily-injury liability coverage for one person?

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Sample laws, points & insurance questions

  1. Under the Hawaii insurance law in force since January 1, 2026, what is the minimum bodily-injury liability coverage for one person?

    • A $40,000 per person
    • B $25,000 per person
    • C $20,000 per person
    • D $80,000 per person
    Show answer

    A. $40,000 per person

    Since January 1, 2026, Hawaii motor vehicle policies must carry at least $40,000 per person and $80,000 per accident for bodily injury, plus $20,000 for property damage. The 2023 manual still shows the older 20/40/10 limits.

    Source: Hawaii Department of Transportation, Highways Division, Motor Vehicle Safety Office website

  2. Under the Hawaii insurance law in force since January 1, 2026, what is the minimum property damage liability coverage for one accident?

    • A $5,000
    • B $20,000
    • C $10,000
    • D $40,000
    Show answer

    B. $20,000

    Hawaii raised the property damage minimum to $20,000 per accident from January 1, 2026. It pays for damage you cause to other people's property, not to your own car.

    Source: Hawaii Department of Transportation, Highways Division, Motor Vehicle Safety Office website

  3. What is the maximum fine for each violation of Hawaii's motor vehicle insurance law?

    • A $500
    • B $5,000
    • C $1,000
    • D $10,000
    Show answer

    B. $5,000

    Each insurance violation is a separate offense with a fine of up to $5,000 or 30 days in jail, license suspension, loss of registration, or a combination. Driving uninsured is treated seriously.

    Source: Official Hawaii Driver's Manual (2023 edition, r3 digital), page 54

  4. After a conviction for certain vehicle offenses in Hawaii, how long must you keep proof of financial responsibility (SR-22) on file?

    • A One year
    • B Until the next license renewal
    • C Three years
    • D Five years
    Show answer

    C. Three years

    After certain convictions you must file evidence of insurance (Form SR-22) and keep proof of financial responsibility for three years from the conviction date. If you do not comply, your license is suspended.

    Source: Official Hawaii Driver's Manual (2023 edition, r3 digital), page 53