Anamarie Waite, Car Insurance Writer
@anamarie.waite
Hawaii is a no-fault state, which means that drivers get coverage for car accident injuries from their own insurer without the need to determine who caused the accident. Policies in no-fault states must include personal injury protection (PIP).
Drivers in Hawaii are required to carry at least $20,000 in bodily injury liability insurance per person, up to $40,000 per accident, and $10,000 in property damage liability insurance. When an insured driver is responsible for an accident, liability insurance covers the other driver’s expenses.
On average, state minimum coverage costs $445 per year in Hawaii, but there are many factors that can affect how much you pay for a policy. Any coverage above and beyond what is required by Hawaii law is optional, but it’s usually worth the money to get some additional protection. The biggest reason is that state minimum coverage doesn’t protect your personal vehicle. For insurance to pay for damage to your car, you’ll need full coverage.
In Hawaii, full coverage refers to a policy that includes collision and comprehensive, plus higher coverage limits than what is required by state law. Full coverage car insurance costs about $1,480 per year in Hawaii. There may be cases when you don’t need full coverage insurance, but Hawaii drivers should buy as much coverage as they can afford as a general rule.
Most policies offer coverage for six months to one year at a time and can be paid in a variety of ways, including monthly payments. The best car insurance companies in Hawaii balance affordability with quality coverage and strong customer service. You can easily get a quote from top companies like Island Insurance, First of Hawaii online or over the phone, or use WalletHub’s comparison tools to find the best car insurance policy for your needs.
People also ask
What is the minimum insurance requirement in Hawaii?
Hawaii car insurance laws require $20,000 of bodily injury liability coverage per person, up to $40,000 per accident, as well as $10,000 of property damage liability coverage.
Bodily injury liability insurance pays for any injuries that you accidentally cause with your car, while property damage liability coverage helps pay for any material assets that you damage while driving, like another person’s car or mailbox. Your insurance company pays up to the limit specified by...
read full answerWhat is the penalty for driving without insurance in Hawaii?
The penalties for driving without insurance in Hawaii include fines, community service, and license suspension. You can avoid these consequences by meeting Hawaii’s proof of financial responsibility requirements. Hawaii requires that all drivers have at least $20,000 in bodily injury liability coverage, up to $40,000 per accident, along with $10,000 in liability coverage for property damage.
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read full answerDoes insurance follow the car or the driver in Hawaii?
Car insurance usually follows the car in Hawaii. The types of car insurance that follow the car in Hawaii are collision, comprehensive, and property damage liability. You’re required to carry property damage liability and personal injury protection in Hawaii. PIP follows the driver, unlike liability coverage.
If you let someone borrow your car and they cause an accident in Hawaii, bodily injury liability insurance pays for injuries to the other driver and their passengers....
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