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Hawaii Car Insurance

Hawaii drivers enjoy a very healthy car insurance market and no-fault car insurance laws with average Hawaii car insurance premiums 10% lower than average premiums drivers pay nationwide. Although the number of licensed car companies in Hawaii are just over 40 drivers still have access to many reliable providers and affordable coverage .

Is Car Insurance Required by Law in Hawaii?

Yes. Any vehicle registered in the State of Hawaii must have liability insurance or be subject to heavy fines, drivers license suspension, vehicle registration suspension and possible personal liability. Car insurance is required by law for all vehicles and the cost of driving with no car insurance can be much higher than any premiums would be in the event of an accident.

Hawaii Car Insurance Requirements

Hawaii operates under a set of no-fault car insurance laws which means no one is technically at fault (except in cases of extreme negligence) and each persons damages are covered by their own auto insurance policy. Drivers are required to carry both liability insurance and PIP (personal injury protection) insurance with minimum levels of coverage as follows:

  • $20,000 liability per person per accident
  • $40,000 liability per accident for all persons
  • $10,000 personal injury protection (per person)
  • $10,000 property damage insurance

Hawaii drivers are also required to be informed of their right to buy UIM (uninsured/underinsured) motorist coverage by car insurance companies although they have a right to decline such coverage. Most Hawaii drivers opt for UIM coverage along with comprehensive, collision and other types of coverage.

Can I be Personally Liable for damages if I have car insurance?

Yes. Car insurance is not a blanket protection for all damages. Every auto insurance policy has maximum limits of coverage and exclusions so if you just purchase the minimum insurance required by law you certainly will have some potential exposure to personal liability if damages exceed your policy limits. Many drivers opt for expanded coverage and higher limits of coverage which can be added for a very nominal cost by most auto insurers.

Hawaii Car Insurance Rates

Even with Hawaii car insurance premiums averaging 10% less than the national average its still important to shop around and compare car insurance companies. A long list of factors determine your premiums and for many drivers quotes can vary greatly from one auto insurance provider to the next. Start with learning about the types of car insurance and then try to compare quotes equally based on the coverage options you need. Never compare auto insurance simply by premiums as many times cheap car insurance quotes are simply a reflection of lower coverage.

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