Hawaii Auto Insurance Quotes

If you're shopping for a Hawaii auto insurance policy, you're in the right place. Not only can you get quotes from dozens of insurance carriers licensed to do business in Hawaii, you can also get information on Hawaii's auto insurance requirements so that you will be in compliance with the law. Learn about the minimum amounts of liability coverage required, as well as other laws and regulations governing auto insurance in Hawaii.

Hawaii Liability Coverage Requirements

Motorists are carried to require liability insurance on all registered vehicles in Hawaii.  This liability insurance is designed to cover bodily injuries and property damage.  The minimum coverage amount for bodily injuries for one person in one accident is $20,000.  The minimum coverage required for all bodily injuries in one accident is $40,000.  For property damage, the minimum coverage amount is $10,000.  Motorists are also required to carry personal injury protection coverage, which will pay the medical and/or funeral expenses of drivers and passengers injured in an accident.  An insurance carrier authorized to do business in Hawaii can discuss personal injury protection coverage with you to determine the amount of coverage warranted by your particular situation.

Hawaii's No-Fault System

Many states use the tort system of determining who is responsible for paying for expenses resulting from an accident.  In these states, the driver who is at fault must pay for medical expenses and property damage.  Other drivers may sue the driver at fault civilly for lost wages and other losses.  In Hawaii, the no-fault system is used.  This means that your insurance company must pay for your expenses regardless of who was at fault for an accident.  This system is used as a way to cut down on auto insurance fraud.

Penalties for Failure to Maintain Coverage

Hawaii does not have a central motor vehicles department like most other states.  Instead, each individual county is responsible for vehicle registration and related duties.  However, there are still penalties for not having the proper auto insurance coverage on your vehicle.  When you attempt to renew your vehicle registration, you must show a valid inspection sticker.  Proof of insurance is required to obtain an inspection in Hawaii, so not having the proper coverage will preclude you from having your vehicle inspected and you will be unable to renew your registration.  Failure to renew your registration on or before the expiration date will result in penalties being assessed in the form of additional fees.