Hawaii commercial insurance guide: nation's highest workers' comp rates, no-fault auto insurance, and mandatory TDI and Prepaid Health Care coverage.
State Guides | 7 min read | 2026-03-15
Hawaii presents a unique and expensive insurance landscape for businesses. From having the highest workers' compensation costs in the country to mandatory no-fault auto, Temporary Disability Insurance (TDI), and Prepaid Health Care, employers face a complex web of requirements. This guide breaks…
Hawaii holds the unfortunate distinction of being the most expensive state for workers' compensation insurance in the United States. According to the 2024 Oregon DCBS Premium Rate Ranking Study, Hawaii's rate of $2.52 per $100 of payroll is a staggering 131% above the national median, ranking it 1st out of 51. This high cost is a critical factor for any business operating in the state, especially…
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