WalletHub, Financial Company
@WalletHub
You need $20,000 in bodily injury liability insurance per person ($40,000 per accident) plus $10,000 in property damage liability insurance to drive legally in Hawaii. The Hawaii liability insurance requirements can also be written as 20/40/10. In addition, drivers in Hawaii will need to purchase $10,000 in personal injury protection (PIP) to satisfy the state’s minimum car insurance requirements.
Even though Hawaii only requires 20/40/10 in liability insurance, drivers should consider buying more coverage if they can afford it. If you cause an accident that results in damage beyond your policy limits, you will be personally responsible for paying the difference. And no matter what, you should be sure to fulfill the minimum Hawaii car insurance requirements to avoid facing consequences for driving without insurance.
Finally, drivers should also consider purchasing other types of car insurance in order to better protect themselves, given that liability insurance does not provide any coverage for the policyholder’s own injuries or property. For instance, collision insurance covers damage to the policyholder’s car regardless of fault. And comprehensive insurance pays if the policyholder’s vehicle is damaged by something besides an accident, like a natural disaster or vandalism.
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