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Hawaii Car Insurance & Minimum Coverage Amounts

Hawaii is a vacationer’s paradise. Of course, the islands are home to almost half a million residents, too. If you’re one of the lucky Americans who live or have a home in the Aloha State, you’re going to need to get around.

In this guide, we’ll take a look at how you can ensure that your Hawaii car insurance is up to date and meets the state requirements. Read on to find out more about driving in Hawaii.

Hawaii Car Insurance Minimum Requirements

The state of Hawaii requires that all drivers carry insurance on their automobiles. The minimum insurance you can legally carry is as follows:

  • Bodily injury liability: $20,000 per person and $40,000 per accident.
  • Personal injury protection (PIP): $10,000.
  • Property damage lability: $10,000.
  • Uninsured and underinsured motorist protection: $20,000 per person and $40,000 per accident.

As you can see, your Hawaii car insurance requirements aren’t too steep. However, if you choose to, you can also add protections such as towing and roadside assistance, car rental reimbursement, and more.

As you search for your car insurance in Hawaii, be sure to speak with your agent about what you may need and discounts available to you. No two drivers have the same insurance needs, so choose a plan that’s appropriate for your driving habits.

What is the Average Cost of Car Insurance in Hawaii?

The cost of living in Hawaii may be a bit higher than in other states, but car insurance is relatively inexpensive. Hawaii drivers can expect to pay around 24% less than the national average. A full coverage policy will average around $1,079 each year.

If you opt for just the minimum coverage, you’ll pay around $570 each year. That’s less than $50 per month, which leaves plenty of wiggle room to add insurance “extras” to your policy.

Why is Car Insurance So Cheap in Hawaii?

Hawaii has fewer drivers on the roads than most other states. That means there are fewer accidents and less likelihood of insurers having to pay out for claims.

There are also fewer uninsured motorists in the Aloha State. Only an estimated 10% of drivers do not carry insurance on their automobiles.

Keep in mind, however, that crime rates in Hawaii are surprisingly high. Your car is more likely to be vandalized or stolen than in many other states. Insurers will factor in the zip code where you park your car to the rate you pay for your insurance premiums.

Lapses in Hawaii Car Insurance

What happens if you drive without insurance in Hawaii? Well, that depends.

If you’re pulled for a routine traffic stop and can’t prove you have Hawaii car insurance, you could face fines of $500 to $1,000. Your vehicle may be impounded, and your license and registration will likely be suspended. You may even face jail time.

If you’re involved in-or responsible for-an accident, the penalties will be worse. In addition to fines, fees, and possible jail time, you’ll likely be fully financially for the accident in its entirety.

To keep it simple, make sure you keep your Hawaii car insurance paid and up to date, and be sure it meets the state minimum requirements. This will keep you from incurring hefty fees and worse.

Best Auto Insurance in Hawaii

Drivers in Hawaii were asked, “What’s your favorite car insurance company?” The following five insurers consistently came out on top for the cost of premiums, customer service, and coverage options.

  • Esurance
  • The General
  • National General
  • PURE
  • State Farm

As with any investment, be sure you shop around for the Hawaii car insurance option that’s right for you, your family, and your budget.

Driving in Hawaii

Whether you’re on your way to the DMV or headed to one of Hawaii’s crystal beaches, you may want to know a bit more about driving in the Aloha State. Here are a few fun facts about Hawaii to think about on your drive.

  • Heavy rain? Tough it out or pull over-it’s illegal for vehicles in motion to use hazard lights in Hawaii.
  • How many billboards are in Hawaii? None. Zero. Zilch. They’re distracting for drivers, plus, they block the gorgeous scenery.
  • You can’t sit in a vehicle without wearing a seatbelt in Hawaii. However, the bed of a pickup truck is perfectly legal for passengers, provided all other seats are occupied.
  • While not a law, most Hawaiians are in agreement that honking your horn is annoying and considered rude in the Aloha State.

Conclusion: Car Insurance in Hawaii

Dreaming of tropical vistas and sapphire beaches? Living in Hawaii means you’ll need to obey driving laws. Be sure your Hawaii car insurance is up to date and meets the state’s requirements to avoid hefty fines and possible suspension of your driving privileges.