Quick Answer
Hawaii is a no-fault state requiring PIP coverage. The high island cost of living makes renters insurance especially important at Pearl Harbor. USAA's rates for Hawaii military members are typically the most competitive, followed by GEICO military.
Base
Joint Base Pearl Harbor-Hickam
Joint Base Pearl Harbor-Hickam
State
Hawaii
Hawaii
Auto Law
No-fault (PIP required)
No-fault (PIP required)
BAH Rank
#2 Highest in Navy
#2 Highest in Navy
BAH Rates for Pearl Harbor-Hickam (2025)
| Rank | Without Dependents | With Dependents |
|---|---|---|
| E-4 | $2,076 | $2,604 |
| E-5 | $2,238 | $2,838 |
| E-7 | $2,601 | $3,144 |
| O-3 | $3,003 | $3,537 |
| O-5 | $3,348 | $4,017 |
Hawaii Auto Insurance: No-Fault State
Hawaii is a no-fault state. All drivers are required to carry Personal Injury Protection (PIP):
- Required PIP: $10,000 per person - your own insurer pays for your injuries regardless of fault
- Minimum liability: $20,000/$40,000/$10,000
- No-fault threshold: You can still sue for serious injuries (disfigurement, disability, death)
- Uninsured motorist: Optional but recommended
Renters Insurance at Pearl Harbor
Hawaii's high cost of living makes renters insurance especially critical at JBPHH:
- Average premium: $20-$35/month (higher than mainland due to island costs)
- On-base housing managed by Forest City Hawaii - personal belongings not covered
- Off-base in Aiea, Pearl City, Ewa Beach - competitive rental market
- Hurricane risk: Standard renters policies cover wind damage up to deductible
- Flood insurance is separate and may be relevant for low-lying areas
Island Tip: When you PCS to Hawaii, your household goods may take longer to arrive via sea shipment. Renters insurance covers belongings from the moment you arrive, not just after household goods delivery.
OCONUS Life Insurance Considerations
Pearl Harbor is technically OCONUS (Outside Continental US) despite being a US state. Some considerations:
- SGLI provides full coverage at Pearl Harbor, including during exercises and deployments from JBPHH
- TRICARE Prime is available at Tripler Army Medical Center and base clinics
- Indo-Pacific Command deployments are common - verify FSGLI enrollment before departure
- Auto insurance: Your mainland USAA or GEICO policy covers you in Hawaii automatically