Hawaii is a very unique state when it comes to auto insurance. Their insurance requirements, laws, and rates are all influenced by the fact that the state is a collection of islands. However since it is one of the 50 states, you can still get an instant Hawaii car insurance quote just by using the form above.
Conversely, you can keep reading below to find out more about insurance in the state. Hawaii is obviously a very popular tourist destination, but you still have to obey all insurance laws. Find out what they are and other important things you should know below.
Minimum Auto Insurance Requirements In Hawaii
Hawaii is among a minority of states that are considered “no-fault” insurance states (explained in greater detail below). Nevertheless, mandatory liability insurance is still required for car, van, bus or truck drivers.
Your minimums are as follows:
- $20,000 per person bodily injury liability coverage;
- $40,000 per accident bodily injury liability coverage;
- $10,000 per occurrence property damage liability coverage (to other people’s property not your own);
- $10,000 Personal Injury Protection (PIP) for medical and rehabilitative costs;
Although, the insurance minimums listed above are all that are required in the state, they are most likely not nearly enough to fully protect you. You should strongly consider increased PIP protection along with higher liability insurance. Several other optional coverages and options are also available to Hawaii’s drivers and should be something you seriously consider.
The first is uninsured (UM) and underinsured (UIM) auto insurance coverage. This insurance is designed to protect you in the event of you getting in an accident with a driver who does not have any or enough insurance coverage. While this coverage is optional, unlike other optional coverages, you have to specifically opt-out in writing with your insurance company. The minimums for both are the same as the bodily injury minimums listed above.
Beyond these the Department of Commerce & Consumer Affairs also recommends having at least a look at the following types of coverage: collision coverage, comprehensive coverage, lost wage, death benefits, funeral benefits, PIP deductible and PIP managed care. Your insurance company may have other insurance products available as well and they are supposed to work with you to determine your insurance needs as a Hawaii driver.
Hawaii State Auto Insurance Laws
As mentioned above one of the key things to know about Hawaii is that it is considered a no-fault state for injuries. This means your auto insurance company will pay for your injuries and those of your passengers, up to the PIP limit stated in your policy. This is another reason why you really need to think about getting more PIP protection than the minimums stated above.
Now you might be wondering, why do I need bodily injury liability insurance if Hawaii is a no fault state? The answer is that while Hawaii is a no-fault state for most minor injuries, it is not a pure no-fault state. You can still be sued under a variety of circumstances as outlined below:
- Property damage is not covered by the no-fault law. Thus, you can sue or be sued at any point for property damage costs. This is the reason why you are required to have property damage liability coverage.
- You can be sued if you cause an accident and the total medical bill exceeds $5,000. One reason why you need bodily injury liability coverage.
- You can be sued if you cause an accident such that the use of a part or function of the body is lost or permanent and serious disfigurement results. Another reason why you need bodily injury liability coverage.
- Finally you can be sued if you cause and accident that results in death. A third and very important reason why you are required to have bodily injury liability coverage.
Now so long as you maintain you required liability insurance coverage, your insurance company is required to pay all costs up to your policy limit. However, if the costs go beyond your limit you can be sued and will be held financially responsible under Hawaii’s financial responsibility laws. This in turn can have an impact on your ability to drive; from getting licensed, to registering a vehicle to buying insurance.
As the owner and/or driver of an automobile in Hawaii, you must register, license and insure your car in order drive in the state. You must also carry a valid Hawaii no-fault car insurance identification card in your vehicle at all times as proof of financial responsibility in case of an accident. It is imperative that drivers must never remove their valid car insurance identification card in their cars to prove their financial responsibility in case of any unexpected incidents.
Besides the financial responsibility laws you also need to follow the Motor Vehicle Safety Responsibility Law as well. Not following these laws will require the government to impose strict fines and penalties on the offender. Even with the no fault policy, a driver who got involved in an auto accident will be left with a huge financial responsibility if he or she is uninsured or underinsured, causing a huge dent on his or her bank account.
Penalties if you are caught outside of an accident situation can still be severe. The state can impose fines of up to $5,000, sentence you to up to 30 days in jail, suspend your driver’s license and/or suspend you vehicle’s registration. This will make it incredibly difficult to get affordable insurance coverage in the future.
Thus, all of these elements make it crucial for car owners and drivers to make sure they get the best car insurance available. To do so, you need to get your very own Hawaii car insurance quote.
Hawaii Car Insurance Companies
Given Hawaii’s remote location and relatively small size, there are fewer insurance companies operating in the state compared to other mainland equivalents. The 2010 Insurance Commissioner’s Report contains the most complete list of all insurance companies doing business in the state.
A much faster and easier alternative to going though every insurer on the list is just to use our free quote from to find an insurance company for you. All you have to do is enter you zip code and you’ll be matched with insurers looking for customers. A third and final option is to visit the website’s of the following members of the Insurance Information Institute.
If for any reason you ever have problem with your insurance company you should be sure to try and resolve it with them as soon as possible. If you can’t get a satisfactory resolution, then you may wish to contact the Insurance Branch Of The Department of Commerce And Consumer Affairs and file a complaint about your insurer.
Average Hawaii Auto Insurance Rates
Unlike many other states, Hawaii does not offer premium rate comparison tables among its licensed insurance companies. The best it can do is offer the Hawaii’s Insurance Commissioner Offers Tips for Updating Coverage, Saving Money, which as the name suggests has some tips and advice on ways you can reduce your premiums in the state.
Now since the state does not publish it’s own rate tables we have to rely on external sources for an estimate of the average Hawaii car insurance rate. The Insurance Information Institute found in 2008 that the state was the 18th most expensive with average annual premiums of $816 (US average was $789). CarInsurance.com claims average quoted premiums for 2011 are $1,147 per year for the state versus $1,441 nationwide.
Thus, the state is either just above or just below the national average price paid for an auto insurance policy. In reality it doesn’t really matter. What matters is getting you the best price possible. The only way that is going to happen is if you take a little bit of time and get some car insurance quotes.
Hawaii Car Accident Statistics
The following statistics are based on information from the Hawaii Department of Transportation Traffic Accident Reporting System (TARS) and the National Highway Traffic Safety Administration (NHTSA). Overall, the state is safer than the average when it comes to road fatalities.
In 2009 there were 109 deaths on the roads of the state. This meant there were 1.09 fatalities per 100 million vehicle miles traveled versus a national average of 1.14. The numbers would likely be much better, if it were not for much higher incidence of drinking and driving in the state. Nearly half (48%) of all traffic fatalities were caused by drunk drivers in 2009 compared to an average rate of 32% in the rest of the US. This is likely cause by the large number of people on vacation, but is a sobering reminder to never drink and drive no matter where you are.
Here are the rankings of Hawaii’s counties in terms of worst to best in terms of number of fatalities: Honolulu County (53 in 2009), Hawaii County (27 in 2009), Maui County (21 in 2009), Kauai County (8 in 2009) and Kalawao County (no fatalities between 2005 and 2009).
Why You Should Get Hawaii Car Insurance Quotes
The only real solution to getting a good rate for car insurance is to get multiple quotes. There are several ways you can go about getting Hawaii auto insurance quotes, but you have to get them to make sure you’re paying a fair price for your policy.
To get the best deals, consider getting Hawaii auto insurance online. The different online car insurance quotes will allow you to compare between companies, and you can also choose the amount of coverage you want to buy. Better yet, you can compare more companies in less time this way.
Therefore get started with your free instant Hawaii car insurance quote by entering your zip code below:
Hawaii’s Cities Insurance Guides
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