Hawaii has some of the most scenic and picturesque roads in the world. From the stunning coastal drives to the winding mountain paths, driving in Hawaii is an unforgettable experience. However, it is important to have the right car insurance to protect yourself and your vehicle while on the road. In this article, we will cover everything you need to know about Hawaii auto insurance, including the requirements, costs, and types of coverage available.
Hawaii Auto Insurance Requirements
Hawaii state law requires all drivers to have auto insurance to operate a vehicle on public roads. The minimum liability coverage required by law is $20,000 per person for bodily injury, $40,000 per accident for bodily injury, and $10,000 per accident for property damage.
Liability coverage pays for damages or injuries you cause to others in an accident. It does not cover damages to your own vehicle or injuries you sustain in an accident.
If you are caught driving without valid auto insurance in Hawaii, you will face penalties, including fines, suspension of your driver’s license, and the impoundment of your car.
What is Not Covered by Minimum Liability Insurance?
While the minimum liability insurance will keep you legal on the road, it may not provide adequate protection in the event of an accident. It is important to understand what is not covered by minimum liability insurance, including:
Coverage Type |
What is Not Covered |
Collision Coverage |
Damages to your own vehicle |
Comprehensive Coverage |
Non-accident damages, such as theft or weather-related damage |
Personal Injury Protection (PIP) |
Injuries sustained in an accident |
Uninsured/Underinsured Motorist Coverage |
Damages or injuries caused by an uninsured or underinsured driver |
How Much Does Hawaii Auto Insurance Cost?
The cost of Hawaii auto insurance varies depending on several factors, including your driving record, age, gender, type of car, and location. Typically, drivers with a good driving record, older age, and no recent accidents pay less for car insurance than younger, high-risk drivers.
According to recent data, the average annual cost of auto insurance in Hawaii is $1,070. However, your actual premium may be higher or lower depending on your individual circumstances.
Types of Coverage Available
While the minimum liability coverage may be sufficient for some drivers, others may want to consider additional types of coverage for added protection. Below are the most common types of auto insurance coverage available in Hawaii.
Collision Coverage
Collision coverage pays for damages to your own vehicle if you are in an accident, regardless of who is at fault. This coverage is especially important if you have a newer or more expensive car. Collision coverage is typically offered with a deductible, which is the amount you pay out-of-pocket before your insurance kicks in.
Comprehensive Coverage
Comprehensive coverage pays for damages or loss to your vehicle that is not caused by an accident, such as theft, vandalism, or weather-related damage. This coverage is also typically offered with a deductible.
Personal Injury Protection (PIP)
Personal injury protection (PIP) is a type of insurance that covers medical expenses and lost wages if you or your passengers are injured in an accident. PIP also covers funeral expenses if necessary.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage provides protection if you are hit by a driver who does not have insurance or does not have enough insurance to cover damages. This coverage is especially important if you are involved in a hit-and-run accident or if the other driver is at fault but cannot cover the damages.
Frequently Asked Questions
Do I Need Insurance to Drive in Hawaii?
Yes, Hawaii state law requires all drivers to have auto insurance to operate a vehicle on public roads.
What is the Minimum Liability Coverage Required in Hawaii?
The minimum liability coverage required by law is $20,000 per person for bodily injury, $40,000 per accident for bodily injury, and $10,000 per accident for property damage.
What is Not Covered by Minimum Liability Insurance?
Minimum liability insurance does not cover damages to your own vehicle or injuries you sustain in an accident. It also does not cover non-accident damages, such as theft or weather-related damage.
How Much Does Hawaii Auto Insurance Cost?
The cost of Hawaii auto insurance varies depending on several factors, including your driving record, age, gender, type of car, and location. The average annual cost of auto insurance in Hawaii is $1,070.
What Types of Coverage are Available in Hawaii?
The most common types of auto insurance coverage available in Hawaii are liability, collision, comprehensive, personal injury protection (PIP), and uninsured/underinsured motorist coverage.
What Happens if I Drive Without Insurance in Hawaii?
If you are caught driving without valid auto insurance in Hawaii, you will face penalties, including fines, suspension of your driver’s license, and the impoundment of your car.
Can I Cancel My Auto Insurance Policy at Any Time?
Yes, you can cancel your auto insurance policy at any time. However, you may face cancellation fees or penalties for early termination.
In conclusion, having the right auto insurance coverage is essential for protecting yourself and your vehicle while on the road in Hawaii. Be sure to review your options and choose the coverage that best fits your needs and budget.
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