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hawaii car insurance

Hawaiians know that the word aloha can mean many things, more than just "hello" and "goodbye." It's tricky to get it unless you already get it, right?

Auto insurance is the same way, and since we already get it, we've created a really easy-to-use, award-winning website where you can find information to help you get it, too.

Even though we don't offer Hawaii car insurance, we can still help you get a free quote so that you can compare rates from other top-name companies we've partnered with.

hawaii car insurance coverages

Hawaii drivers are required by the state to maintain at least the following coverages and limits:

  • $20,000 of bodily injury liability coverage per person
  • $40,000 of bodily injury liability coverage per incident
  • $10,000 of property damage liability coverage per incident
  • $10,000 of personal injury protection (PIP) coverage per person

You can choose higher limits and add additional coverages, like comprehensive and collision or uninsured motorist coverage, when you customize your policy.

No-fault coverage in Hawaii

Hawaii is a no-fault insurance state. This means that regardless of fault, each driver's personal injury protection (PIP) coverage can kick in to help pay for the policyholder's (and passengers') medical expenses.

Depending on who's found at fault, you can still sue or be sued for medical expenses if the accident causes:

  • Medical expenses exceeding $5,000
  • Severe injuries or death

Hawaii's no-fault laws affect medical expense claims only, and they don't affect how property damage claims are handled. That means you can file a claim against an at-fault driver's insurer or sue for expenses associated with a damaged car or property.

Unlike other PIP states, coverage for lost wages, substitute services, funeral benefits, and more are not automatically included in Hawaii's PIP insurance. It's best to contact your insurance company to know exactly what you're protected for.

factors that could impact your hawaii car insurance rate

The coverages, limits, and deductibles you choose for your policy will impact your monthly premium. These factors typically influence your Hawaii car insurance rates, as well:

  • Your age, gender, marital status, and number of years licensed
  • Claims history, driving record, and prior insurance history
  • The year, make, model, and condition of your vehicle
  • ZIP Code where the vehicle is parked or garaged
  • How you use your car (daily commutes, Sunday drives, etc.)
  • Other drivers on your policy and their driving records

insurance stats and info

Driving without car insurance

Hawaii strictly enforces its car insurance requirements. Uninsured drivers face fines of up to $5,000, possible jail time, and loss of driving privileges (including license and registration).

Keep proof of insurance coverage (in the form of your insurance ID card) in your car's glove box at all times.

Uninsured drivers in Hawaii

A 2011 report from the Insurance Research Council estimated that 11 percent of Hawaii drivers were uninsured in 2009. That was below the national average of 13.8 percent.

You can add uninsured motorist coverage to your policy to protect you, your passengers, and your vehicle in the event of an accident with an uninsured (or underinsured) motorist.

Related links

Rental car coverage for visitors
Find out more about additional rental coverage and why you may not need it.

Hawaii's Insurance Commissioner
Find official state info on the commissioner's website.

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