Hawaii Minimum Insurance Requirements

In Hawaii, having motor vehicle insurance is essential to owning a motor vehicle. State law mandates that your vehicle must be insured throughout the motor vehicle registration period, and you must carry a valid Hawaii motor vehicle insurance identification card in your vehicle at all times. Operating a vehicle without the required motor vehicle identification card can result in tickets and fines.

Here are the key points about Hawaii’s auto insurance laws:

1. Minimum Liability Coverage:

   • Bodily Injury Liability:

     • $25,000 per person

     • $50,000 per accident

   • Property Damage Liability:

     • $25,000 per accident

   • These cover damages for the injured party when you are at fault in an accident.

2. Personal Injury Protection (PIP):

   • Hawaii is a “no-fault state” for injuries, meaning your motor vehicle insurance company pays for your injuries and your passengers’ injuries up to the PIP limit.

   • You cannot sue or be sued unless there are serious injuries.

3. Uninsured and Underinsured Motorist Coverage:

   • You may purchase a minimum of $20,000 per person uninsured motorist coverage to pay for serious injury or death if the at-fault driver does not have insurance or in case of a hit-and-run accident.

   • You can also purchase a minimum of $20,000 per person underinsured motorist coverage if the at-fault driver does not have enough insurance.

4. Optional Coverages:

   • Consider additional coverages such as collision and comprehensive, wage loss, alternative care, death benefits, funeral benefits, PIP deductible, and PIP managed care.

5. Your insurance agent or company should help you decide on the best coverages for your individual situation and needs.

Remember that Hawaii’s minimum car insurance requirements protect drivers, passengers, and third parties in the event of an accident. Ensure you have the necessary coverage to drive legally and responsibly in the beautiful Hawaiian islands! 🌺🚗

For more information, you can visit the Motor Vehicle Insurance Information page provided by the State of Hawaii1.

If you live in Hawaii and own a car, you need to have auto insurance. But what kind of coverage do you need and how much does it cost? In this blog post, we will answer these questions and more.

Hawaii is a no-fault state, which means that your own insurance company will pay for your medical expenses and lost wages after an accident, regardless of who caused it. This is why you need to have personal injury protection (PIP) coverage, which is mandatory in Hawaii. PIP covers you and your passengers for up to $10,000 per person.

However, PIP does not cover the damage to your vehicle or the other driver's vehicle. For that, you need liability coverage, which is also mandatory in Hawaii. Liability coverage pays for the injuries and property damage that you cause to others in an accident that you are responsible for. Hawaii requires you to have at least $20,000 per person and $40,000 per accident for bodily injury liability, and $10,000 per accident for property damage liability .

These are the minimum amounts of coverage that you need to drive legally in Hawaii. However, they may not be enough to protect you financially in case of a serious accident. For example, if you cause an accident that injures four people and damages two cars, your liability coverage may not be enough to cover all the medical bills and repair costs. You may have to pay the difference out of your own pocket.

That's why you may want to consider buying more than the minimum coverage. You can increase your liability limits or add optional coverages such as collision and comprehensive, which pay for the damage to your own vehicle regardless of fault. You can also add uninsured/underinsured motorist (UM/UIM) coverage, which pays for your injuries and property damage if the other driver does not have insurance or enough insurance .

The cost of auto insurance in Hawaii depends on many factors, such as your age, driving record, vehicle type, location, credit score, and the amount and type of coverage that you choose. According to MoneyGeek.com, the average annual cost of minimum liability coverage in Hawaii is $387, while the average annual cost of full coverage (including collision, comprehensive, and UM/UIM) is $1,127.

To find the best auto insurance policy for your needs and budget, you should shop around and compare quotes from different insurers. You can use online tools or contact an agent or broker to help you find the best deal. You should also review your policy periodically and update it if your situation changes.

Auto insurance is not only a legal requirement but also a smart investment in your financial security. By having adequate coverage, you can protect yourself and others from the unexpected costs of an accident.

We service the following zip codes in Honolulu

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