Hawaii Auto Insurance
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- Hawaii Auto Insurance
3 Min Read
From the city streets of Honolulu to the winding roads of Maui, every driver in The Aloha State must maintain Hawaii auto insurance minimum requirements if they want to cruise public roads from the beaches to the mountain tops. But getting multiple auto insurance quotes online in Hawaii shouldn’t be difficult.
At Clovered, we partnered with some of the best auto insurance companies in Hawaii, like Progressive and Travelers, to bring you multiple quotes at the same time. Finding cheap auto insurance in Hawaii depends heavily on many factors, including the company you choose. That’s because the more vehicles a company insures in one state, the more premiums it’s taking in.
With many insurance carriers working with us, we’ve got a better chance of finding you the best auto insurance in Hawaii. Simply call one of our many licensed agents at your convenience and we’ll be here to assist you!
Hawaii Auto Insurance Minimum Requirements
Although taking your vehicle from island to island isn’t practical, you may still put 15,000 miles on your car each year. That’s a lot of miles. That’s why you need to protect your vehicle and your livelihood with auto insurance in Hawaii that’s tailored to your needs — not just some cut-rate policy to meet the Hawaii auto insurance minimum requirements.
The following coverages are required by law in The Aloha State, but we recommend opting for more just in case you need it. Especially paying the extra $5 or $10 per month for underinsured motorist coverage. You never know when you’ll need that protection.
- Bodily Injury: $20,000 per person, $40,000 per accident
- Property Damage: $10,000 per accident
- Personal Injury Protection: $10,000
- Uninsured Motorist: $20,000 per person, $40,000 per accident
What Does Hawaii Auto Insurance Cover?
Property Damage Liability
This coverage helps pay to repair the damage you directly cause to another person’s vehicle or their property if you’re at fault. It’s required by law in most states.
Collision Coverage
This coverage helps pay to repair damage to your vehicle if you’re at fault in an accident that involves another vehicle or piece of property. It’s required if you’re financing or leasing your vehicle.
Comprehensive Coverage
This coverage helps pay to repair or replace your vehicle if it was stolen or damaged by something other than a collision, like a hailstorm, tree, fire or vandalism.
Bodily Injury Liability
If you’re at fault in an accident that injures a passenger of another car or pedestrian, this coverage will help to pay their medical bills, legal fees and loss of income.
Personal Injury Protection
Whether you’re at fault or not in an accident, personal injury protection (PIP) is a no-fault coverage that helps to pay for you and your passenger’s medical bills. Some states make this coverage mandatory.
Medical Payments
This is similar to PIP coverage in that it may help to pay for the medical bills of you and your passenger if you’re involved in an accident, whether you’re at fault or not. It’s different because MedPay is always optional.
Gap Coverage
If your vehicle is totaled in an accident, guaranteed asset protection (GAP) coverage helps to pay the difference between your vehicle’s current worth and what you still owe on your auto loan.
Towing & Labor
An optional coverage, towing and labor may be added to your auto insurance policy to get you out of binds. This pays for a tow truck to pick up your vehicle and take it to the nearest repair shop.
Rental Car
You may add rental car coverage that pays for a rental car while your vehicle is in the shop. But nearly every auto policy also covers the vehicle and passengers when you’re driving a rental car.
Uninsured Motorist
This coverage is within your own auto policy and helps to pay for repairs to your vehicle or for your medical bills if a driver who’s at fault doesn’t have auto insurance.
Underinsured Motorist
This coverage is also within your own auto policy, helping to supplement the remaining expenses to repair your vehicle and pay your medical bills if the other driver doesn’t have sufficient coverage.
Hawaii Car Insurance Laws
Hawaii No-Fault Auto Insurance Law: Hawaii auto insurance laws aren’t too strict, but it is considered a no-fault state, which means you must maintain adequate personal injury protection (PIP) coverage while your vehicle is registered in the state. PIP helps to pay for your medical bills if you’re involved in an accident –whether it was deemed to be your fault or not.
How Much Is Car Insurance in Hawaii?
Like home insurance, average auto insurance costs in Hawaii are below the national average, tipping the scale at a little more than $750 per year. When you consider other states in the contiguous U.S., that’s an extremely reasonable rate.
If you’re looking for an auto insurance quote in Hawaii, look no further than our team of friendly licensed agents at Clovered! They can help you with all your needs and pair you with a policy that works for you — instead of working against you.
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The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.
