Leif Olson, Car Insurance Writer
@leif_olson_1
The major types of car insurance are all available in Hawaii, including liability, uninsured motorist, personal injury protection, comprehensive and collision insurance. Hawaii requires drivers to have liability insurance and personal injury protection, while other types of car insurance coverage are optional.
Types of Car Insurance Available in Hawaii
- Bodily Injury Liability: $20,000 per person and $40,000 per accident is required to pay for other people's medical bills when you're at fault for an accident.
- Property Damage Liability: $10,000 is required so you can pay to repair or replace other people's property if it's damaged in an accident you're at fault for.
- Personal Injury Protection: $10,000 per person is required to cover accident-related medical expenses for you and your passengers as well as costs not typically covered by health insurance, like lost wages.
- Medical Payments (MedPay): Covers accident-related medical expenses for you and any passengers in your car.
- Uninsured Motorist: Covers medical bills if your car is hit by a driver who doesn't have any liability insurance.
- Underinsured Motorist: Covers medical bills and vehicle repairs if your car is hit by a driver who doesn't have enough liability insurance.
- Collision: Helps pay for damage to your vehicle caused by a collision with another car or with a stationary object.
- Comprehensive: Helps pay for damage to your vehicle caused by something other than an accident, like vandalism or extreme weather.
- Gap: Pays the difference between the value of your car and the balance on your lease/loan in the event of a total loss.
- Roadside Assistance: Provides assistance if your car needs a tow, jump start, tire replacement or fuel refill.
- Mechanical Breakdown: Covers the cost of repairs to mechanical parts of your car, like the engine and transmission.
Other types of auto-related insurance you can get in Hawaii include rental reimbursement coverage, classic car insurance, non-owner insurance, and umbrella insurance. These types of coverage apply to specific situations or needs and are generally available across the country.
If you want to learn more, check out WalletHub's guide to the different types of car insurance.
People also ask
What is full coverage insurance in Hawaii?
Full coverage insurance in Hawaii is usually defined as a policy that provides more than the state’s minimum liability coverage, which is $20,000 in bodily injury coverage per person, up to $40,000 per accident, and $10,000 in property damage coverage. Full coverage in Hawaii also includes optional collision and comprehensive insurance. As a result, full coverage insurance costs an average of $1,434 per year in Hawaii, while a state minimum policy costs $432 per year.
If you can’t afford to repair or...
read full answer by Anamarie Waite, Car Insurance WriterHow does car insurance work in Hawaii?
Hawaii is a no-fault state, which means drivers use their own PIP coverage for their injuries, regardless of fault. Drivers in Hawaii are required to carry at least $20,000 in bodily injury liability insurance per person ($40,000 per accident) and $10,000 in property damage liability insurance. There are restrictions on the right to sue after an accident in no-fault states. In Hawaii, you can only sue the at-fault driver if your injuries are permanent or the damage from the accident amounts...
read full answer by Anamarie Waite, Car Insurance WriterHow much car insurance do I need in Hawaii?
Hawaii law requires you to have $20,000 in coverage for one person’s bodily injury or death, up to $40,000 total per accident, and $10,000 in coverage for other people’s property damage when you are at fault. Hawaii also requires (PIP) insurance, which covers medical expenses for you and your passengers after an accident.
How Much Car Insurance Drivers Need in Hawaii:
| Coverage Type | Minimum Coverage Limit |
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