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Commercial Auto Insurance in Hawaii

Hawaii Act 138 raised motor-vehicle policy minimums effective January 1, 2026, to $40,000/$80,000 bodily injury and $20,000 property damage. UM bodily-injury coverage at those limits applies to vehicles registered or principally garaged in Hawaii unless a named insured rejects it in writing. The insurer may offer required UIM coverage in the same manner as UM; the combined offer must show the premium and allow signed written rejection. 1

What Is Commercial Auto?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. Read the national Commercial auto guide.

Hawaii Requirements

RequirementDetails
Motor-vehicle policy minimum effective 2026$40,000 per person / $80,000 per accident bodily injury / $20,000 property damage 1
Uninsured motoristBodily-injury limits required unless a named insured rejects in writing 1
Underinsured-motorist offerInsurer may offer UIM in the same manner as UM; combined offer must show the premium and allow signed written rejection 1

What to Watch for in Hawaii

  • Verify The 2026 Limits On New And Renewal Policies

    Act 138’s higher $40,000/$80,000/$20,000 motor-vehicle policy limits took effect January 1, 2026. Check that policies issued or renewed this year use the new numbers. 1

  • Ask For The Written UM Rejection If Coverage Is Omitted

    The statute requires UM bodily-injury limits for vehicles registered or principally garaged in Hawaii unless a named insured rejects in writing. Keep that signed rejection with the policy if the quote excludes UM. 1

  • Review UIM With The UM Offer

    Act 138 permits the insurer to offer required UIM coverage in the same manner as UM. The combined offer must show the premium next to the offer and provide for the insured’s signed written rejection; ask to review the displayed premium and keep the signed selection or rejection. 1

  • Commercial HJUP Uses A Dedicated Application Process

    Hawaii Insurance Division says new commercial HJUP applications effective October 1, 2023 or later use EASi and are processed through State Farm; IC International handles quoting. If voluntary insurers decline, ask a licensed producer to explain this route. 2

Who Regulates Insurance in Hawaii

Hawaiʻi Insurance Division

The Insurance Division oversees insurance companies and producers, examines Hawaiʻi-based insurers, reviews rate and policy filings, and investigates insurance complaints. It is part of the Department of Commerce and Consumer Affairs. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 4.68% of premium when Hawaiʻi is the home state Hawaiʻi applies a 4.68% tax when it is the insured’s home state. Surplus-lines coverage is placed with an unauthorized insurer, so do not assume the Hawaiʻi Insurance Guaranty Association protects the policy; confirm the insurer’s status and policy terms with your broker. 6,7

Providers With Documented State Licenses

These providers publish a national listing for Commercial auto; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Hawaii. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 10
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 13

Questions to Ask Before You Buy in Hawaii

  1. Does our 2026 policy show Hawaii’s $40,000/$80,000/$20,000 liability minimum?
  2. If UM is omitted, can you provide the named insured’s written rejection?
  3. What UIM limit and premium were offered, and where is the selection recorded?
  4. If voluntary insurers decline the fleet, can our producer apply through commercial HJUP?

Commercial Auto in Hawaii: FAQ

What are Hawaii’s minimum auto liability limits in 2026? 1

The minimum is $40,000 per person and $80,000 per accident for bodily injury, plus $20,000 property damage. Act 138’s change took effect January 1, 2026. 1

Can a Hawaii business declined by insurers apply to HJUP? 2

Yes. The Insurance Division describes a commercial HJUP application process using EASi for new applications effective October 1, 2023 or later, with State Farm processing and IC International quoting. 2

Commercial Auto in Other States

Other Coverage in Hawaii

Sources

  1. Act 138, Session Laws of Hawaii 2024. Hawaii Legislature; Part II §3, amending HRS §431:10C-301(b)(1)–(4), pp. 351–353; effective Jan. 1, 2026. Accessed 2026-09-28.
  2. Hawaii Joint Underwriting Plan. Hawaii DCCA Insurance Division; Commercial HJUP applications, lines 235–245; process effective Oct. 1, 2023. Accessed 2026-09-28.
  3. Insurance Division. Hawaiʻi Department of Commerce and Consumer Affairs; Official division homepage; scope, license search, complaints, contact information. Accessed 2026-09-28.
  4. Insurance Licenses and Registrations. Hawaiʻi Insurance Division; Insurance license information; links to state-based system for license applications and status. Accessed 2026-09-28.
  5. Filing a Complaint. Hawaiʻi Insurance Division; Online complaint form and published consumer phone. Accessed 2026-09-28.
  6. Surplus Lines Tax. Hawaiʻi Insurance Division; 4.68% rate and home-state application under HRS § 431:8-315. Accessed 2026-09-28.
  7. HRS § 431:16-105: Definitions. Hawaiʻi Legislature; Defines a member insurer as an insurer licensed or holding a certificate of authority in Hawaiʻi; cross-read with HRS § 431:8-102 and § 431:8-301 for unauthorized surplus-lines placements. Accessed 2026-09-28.
  8. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  9. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  10. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  11. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  12. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  13. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  14. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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