Hawaii Car Insurance
Living in Hawaii means enjoying paradise and dealing with narrow roads and sudden rain. That's why reliable car insurance is key – whether you're on the Hana Highway or in the city of Honolulu, you can get behind the wheel knowing you're covered.
Don’t settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote that meets your unique coverage needs.
Auto insurance requirements in Hawaii
In Hawaii, drivers are required to carry the following minimum liability coverage limits for auto insurance:
- Bodily Injury Liability Coverage:
- $20,000 per person
- $40,000 per accident
- Property Damage Liability Coverage:
- $10,000 per accident
Bodily injury liability coverage: Provides financial protection for causing bodily harm to others in an auto accident. It includes medical expenses, lost wages, pain and suffering, and rehabilitation costs. If you’re sued, your policy may also pay legal defense costs. Coverage is subject to policy limits and exclusions.
Property damage liability coverage: Coverage for damage you cause to someone else’s property in an auto accident where you’re at fault. This includes the costs of repairing or replacing the other party’s vehicle, as well as any other damaged property, such as fences or other structures. Additionally, your policy may help with legal fees if you’re sued for the property damage you caused. Coverage is subject to certain limitation and exclusions.
In addition to the minimum liability coverage requirement, Hawaii mandates coverages for uninsured motorist bodily injury and personal injury protection (PIP), with the following minimum limits:
- Uninsured Motorist Bodily Injury Coverage:
- $20,000 per person
- $40,000 per accident
- Personal Injury Protection (PIP):
- $10,000
Uninsured/underinsured motorist bodily injury coverage: Provides protection if you’re injured in an accident caused by a driver who’s uninsured or doesn’t have enough coverage to pay for your medical bills and other expenses.
Personal injury protection (PIP): This no-fault coverage can help pay for medical expenses and lost wages if you or your passengers are injured in an accident. This includes necessary medical bills, lost wages, funeral expenses, survivor’s loss and loss of services.
It’s important to understand that these are just the minimum requirements, and drivers in Hawaii may choose higher coverage limits for added protection.
Additional Hawaii car insurance coverages
Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages drivers in Hawaii might consider:
- Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars.
- Collision coverage: Coverage for repairs to your vehicle if it’s damaged in a collision with another vehicle or object, regardless of fault.
- Rental reimbursement: If your vehicle is damaged in an accident and needs repairs, rental reimbursement coverage pays for transportation costs. Coverage includes rental cars, ridesharing or public transportation like trains, taxis and buses.
- Auto loan/lease coverage: Coverage for the difference between what you owe on your loan or lease and the current value of your vehicle if it’s totaled in a covered accident.
- Roadside assistance coverage: Provides roadside assistance 24/7 for issues you may face on the road like changing flat tires, jumping dead batteries, towing your car, unlocking car doors and getting your car unstuck from mud or snow.
- Repairing or replacing auto glass: Provides coverage for repair or replacement of your windshield, windows and other auto glass, without a deductible.
What affects your Hawaii car insurance rates
There are several factors that impact auto insurance in Hawaii, including individual circumstances, location, vehicle type, coverage options and more. Here are a few points to consider:
- Driving history: Your individual driving record significantly impacts Hawaii auto insurance premiums. Hawaiians drivers with a history of accidents or traffic violations typically face higher rates than those with clean records.
- Claims in Hawaii: Higher rates of accidents, theft or other incidents could lead to increased premiums for all drivers in Hawaii.
- Weather patterns in your state: Weather events such as hurricanes or severe storms may affect Hawaii auto insurance premiums, particularly for comprehensive coverage that includes protection against weather-related damage.
It’s important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.
Facts and figures about Hawaii
Facts and figures about Hawaii
- Midway Atoll, located in the far northwest of the Hawaiian island chain near the international date line, is not part of the state of Hawaii. It’s owned by the U.S. and is classified as an unincorporated territory and wildlife refuge.1
- Hawaii operates within its own specific time zone, known as Hawaiian Standard Time, which is unique among the 24 global time zones. Hawaii doesn’t observe daylight saving time.1
- Hawaii has more than 500 endangered species, which is higher than any other state. Additionally, over 90% of Hawaii's plant species are unique to the region.1
Facts about driving in Hawaii
- To transfer an out-of-state driver's license to Hawaii, visit a driver licensing center with your valid U.S. license, proof of identity, legal presence, Social Security number, date of birth, application and two proofs of Hawaii residence. After passing a vision test, you'll get a temporary license while you await your hard copy in the mail.2
- Applicants must be at least 15½ years old to apply for an instruction permit. It’s mandatory to hold the instruction permit for a minimum of 180 days and to present certification of driver education completion before being eligible to take the road test.2
- To update the address on your driver’s license, you can email or mail a completed and signed change of address form, along with two forms of documentation verifying your new address. You may continue using your current driver’s license with the previous address until its expiration date.2
With the right auto policy, Hawaii drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.
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1 130 Interesting Facts About Hawaii
2 Hawaii Driver's License
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