Hawaii operates under no-fault car insurance laws and every driver is required to carry mandatory minimum levels of liability coverage and have proof of insure with the vehicle at all times. Failure to do so can result in fines, suspension of your vehicle registration and/or personal liability from damage/injuries resulting from a car accident.
“Hawaii is a no-fault car insurance State”
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Hawaii Car Insurance Requirements
Since Hawaii is a no-fault car insurance state all drivers must have personal injury protection in addition to liability insurance. Car insurance laws in Hawaii currently (2010) require all drivers to have the following minimum levels of coverage:
- $10,000 personal injury protection (per person)
- $20,000 / $40,000 bodily injury liability
- $10,000 property damage insurance
Hawaii car insurance laws also require car insurance companies to inform consumers of their right to purchase uninsured/underinsured coverage (UIM car insurance) although consumers have an option of declining such coverage.
Even with no-fault car insurance laws minimum Hawaii car insurance requirement are far lower than most consumers really need so most drivers opt for additional coverage. Expanded policy limits well above $100,000 are usually available for only a small additional premium increase.
Hawaii Car Insurance Companies
With relation to the number of car insurance companies licensed in other states Hawaii has the lowest number of licensed car insurance companies with just over 40 providers. This can have advantages and disadvantages so car insurance comparison is critical if you live in the State of Hawaii. On average, Hawaii drivers pay about 10% less than the national average car insurance premium but you still need to shop around in order to know you have the best coverage available.
“On average, Hawaii drivers pay about 10% less than national average car insurance premiums”
Hawaii Car Insurance Quotes
Many Hawaii drivers start car insurance comparison online however there are a still a large number of drivers who simply contact a local agent. While using a local car insurance agent can have many advantages it does restrict your ability to learn about car insurance freely and gather a full list of car insurance companies without possible undue influence. Consumers should always visit the Department of Hawaii’s Commerce Division website and learn more about how to get auto insurance in Hawaii before choosing a provider.
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