Hawaii Car Insurance

Car insurance laws in Hawaii require all drivers to have, at a minimum, liability and personal injury protection insurance. Liability coverage prevents drivers from having to pay out of pocket for damages and injuries to others when they are found responsible for accidents, while personal injury protection protects the drivers and their passengers. The policies also protect drivers from getting sued by providing them with legal representation and assistance with legal fees. The required amount of auto insurance in Hawaii is as follows, according to the Hawaii Department of Commerce and Consumer Affairs:

Required Coverages in Hawaii:

  • Bodily Injury Liability Per Person: $20,000
  • Bodily Injury Liability Per Accident: $40,000
  • Property Damage Liability: $10,000
  • Personal Injury Protection: $10,000

Driving without car insurance in Hawaii will lead to citations, fines, and penalties. Uninsured drivers risk having their licenses suspended and their driving privileges revoked. Without adequate liability coverage, drivers that cause collisions will need to pay for the damages and medical bills without any financial aid. Failure to do so can result in the drivers getting sued. Lapses in coverage also cause the cost of insurance premiums to increase.

Determining Your Rate in Hawaii

According to the Consumer’s Guide to Auto Insurance, car insurance companies in Hawaii take multiple factors into consideration when determining the cost of insurance premiums. The age, gender, and marital status of the driver, along with the make, model, and year of the vehicle, play a part in determining insurance rates. Auto insurance companies in Hawaii also look at the way the vehicle is used, whether the driver has made previous claims, and the driver’s credit history.

The Insurance Information Institute reports that the average price of car insurance quotes in Hawaii is $786, which is very close to the national average of $785. Drivers are encouraged to talk to their auto insurance companies to determine if they qualify for any discounts.