McKayla Girardin, Car Insurance Writer
Permalink Report Abuse
No, it is not illegal to not have car insurance in Hawaii as long as you do not drive at all or do not own a registered vehicle. Driving without insurance in Hawaii is against the law, though, and the potential penalties include fines up to $1,500 and driver's license suspension.
When You Do Not Legally Need Car Insurance in Hawaii
- You do not have a driver’s license or never drive. If you don’t have a license, there is no need to have car insurance since you legally cannot be behind the wheel of a car anyway. Additionally, if you have a license but never drive, you have no need for car insurance.
- You do not own a registered vehicle. Hawaii requires that all drivers show proof of insurance when registering their vehicle. If you own an unregistered car that you are just trying to re-sell or that is a project you are working on fixing, you do not need car insurance.
- You occasionally drive borrowed cars. When you drive another person’s car with their permission, you are covered by their car insurance policy under permissive use, so you do not need to have your own car insurance. You can also get a non-owner policy, instead, to have additional coverage when driving borrowed cars.
- You drive rental cars. Rental cars can be covered by an insurance policy provided by the rental car company, so you do not need your own personal car insurance to rent a car.
If you plan to drive a registered vehicle in Hawaii, you’ll need to have at least the minimum amount of coverage required by Hawaii law. You can check out WalletHub’s picks for the cheapest car insurance companies in Hawaii to compare your options.
People also ask
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Did we answer your question?