Hawaii Golf Cart Insurance (2026)
Golf cart insurance requirements in Hawaii, including $40,000/$80,000/$20,000 minimum liability and $125–$325/year average cost.
Key Facts
Hawaii Golf Cart Insurance Map
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Overview
Hawaii requires insurance for all motor vehicles on public roads, including neighborhood electric vehicles (NEVs). As of January 1, 2026, the state minimum liability coverage is 40/80/20 (increased from 20/40/10 under Act 138). Hawaii is also a PIP (no-fault) state, meaning personal injury protection coverage of at least $10,000 is required as part of any auto policy, which applies to registered NEVs as well.
Golf carts and LSVs are used in various Hawaiian communities, particularly in resort areas, military bases, and planned developments on all the major islands. Hawaii's warm climate and relatively low-speed local roads make golf carts a practical option for short trips. However, the state's geographic isolation drives up insurance costs compared to mainland states.
The PIP requirement adds to the baseline cost of insuring a golf cart in Hawaii. Additionally, Hawaii has limited insurance carrier competition compared to the mainland, with regional carriers like First Insurance Company of Hawaii and Island Insurance playing significant roles alongside national carriers.
Hawaii-Specific Notes
- PIP State: Hawaii requires Personal Injury Protection coverage on all auto policies, including LSV policies, adding to the base cost.
- Island Insurance Market: Limited carrier competition on the islands can mean higher premiums; shop around with both local and national carriers.
- Resort Communities: Golf cart use is common in resort areas like Kapalua (Maui), Ko Olina (Oahu), and Poipu (Kauai).
- Military Bases: Hawaii's military installations (Schofield Barracks, Kaneohe Bay) have significant golf cart usage; USAA is a popular option for military families.
- Salt Air Damage: Comprehensive coverage is recommended due to salt air corrosion that can damage golf carts near the coast.
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Frequently Asked Questions
Common questions about golf cart insurance in Hawaii.
Do I need insurance for my golf cart in Hawaii?
Yes, if your golf cart is registered as a neighborhood electric vehicle (NEV) for use on public roads. Hawaii requires liability insurance and PIP coverage for all registered motor vehicles. As of 2026, the minimum liability coverage is 40/80/20 plus mandatory $10,000 PIP. Standard golf carts (under 15 mph) used only on private resort property or golf courses are not subject to state insurance requirements.
How much does golf cart insurance cost in Hawaii?
Golf cart insurance in Hawaii typically costs between $125 and $325 per year for basic coverage. Hawaii tends to have higher insurance costs than many mainland states due to limited carrier competition and the mandatory PIP requirement. Full coverage can run $300-$550 annually.
What does golf cart insurance cover in Hawaii?
Golf cart insurance in Hawaii covers PIP (Personal Injury Protection), bodily injury liability, property damage liability, and optional comprehensive (important for salt air corrosion and tropical storm protection), collision, and uninsured motorist coverage. Hawaii is a no-fault PIP state, so your PIP coverage pays for your own medical expenses regardless of fault.
Is PIP required for golf cart insurance in Hawaii?
Yes. Hawaii is a no-fault state that requires Personal Injury Protection (PIP) on all auto insurance policies. This includes policies for registered LSVs and golf carts used on public roads. PIP covers your own medical expenses up to the policy limit regardless of who caused the accident.
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