Hawaii Auto Insurance

Posted by Harry Wagner
Hawaii Minimum Auto Insurance Requirements
  • Individual Bodily Injury Liability: $20,000
  • Total Bodily Injury Liability: $40,000
  • Property Damage Liability: $10,000
  • Personal Injury Protection: $10,000 per person

Do you get nervous every time that you receive your Hawaii auto insurance renewal bill? If you are tired of watching your Hawaii car insurance rates go up when nothing in your household has changed, now is the time to take action. Many drivers in Hawaii choose to continue paying their high premiums because they feel like visiting an agency or calling different insurance companies is far too time consuming. If you are pressed for time and you really want to find more competitive auto insurance rates, enter your zip code at the top of this webpage and start comparison shopping right now. Here is your straightforward guide to auto insurance in HI so that you know exactly what you are paying for each month.

Hawaii Auto Insurance Laws All Drivers Must Comply With

Hawaii is one of the few states in the nation that operates under a no-fault system. What this means is that when you are injured in an accident, your own insurance company will pay for your treatment. The only time you have the right to sue for damages is when you suffer from serious injuries that can affect your life long term. Every vehicle that is registered in the state of Hawaii must be covered by auto insurance provided by a company licensed in the state. The minimum coverage limits that all drivers in the state must carry are as follows:

  • Bodily Injury Liability: $20,000 per person/ $40,000 per accident
  • Property Damage Liability: $10,000 per accident
  • Personal Injury Protection: $10,000 per person

While carrying the required coverage options above will satisfy mandatory auto insurance laws, you should take time to build a policy that provides adequate protection. By raising the coverage limits for liability and personal injury, you will have greater peace of mind that you will be taken care of if you are involved in an accident. You may also want to receive Hawaii auto insurance quotes with optional coverages that provide you with more protection. Optional coverages available in HI include:

  • Uninsured Motorist/Underinsured Motorist
  • Comprehensive and Collision
  • Wage Loss
  • Death Benefits
  • Funeral benefits
  • Alternative Care

What You Need to Know About Uninsured Motorists in Hawaii

Believe it or not, 1 in 8 drivers in the state of Hawaii are uninsured. With a high rate of uninsured drivers, all drivers in the state need to take the time to build a sufficient policy that protects them in the event that they are hit by someone who does not comply with compulsory laws. Uninsured Motorist coverage will help pay for serious medical bills and also for property damage with the PD waiver. By choosing to carry this optional coverage, you do not have to worry about suing to collect damages which can take a significant amount of time.

Now is the time to start using technology to your advantage so that you can find cheap car insurance in HI. By using the online rate comparison tool, you can identify the Hawaii insurance companies offering the most competitive rates and build a policy covers you in every situation.