Hawaii Minimum Coverage Car Insurance: Requirements and Costs (August 2024)

Hawaii requires drivers to carry minimum car insurance coverage, including $20,000 for bodily injury liability per person, $40,000 per accident and $10,000 for property damage liability. Personal injury protection (PIP) coverage of $10,000 is also mandatory. Hawaii is a no-fault state where your own insurance covers injury expenses regardless of who is at fault. This coverage is essential for all Hawaiian drivers.

The monthly cost for the required minimum car insurance in Hawaii averages $31. Securing the cheapest car insurance in Hawaii will depend on personal circumstances.

In Hawaii, the law requires drivers to have a minimum coverage auto insurance to operate a vehicle legally. The specific amounts for each coverage type are as follows:

• $20,000 for bodily injury liability per person
• $40,000 for bodily injury liability per accident
• $10,000 for property damage liability per accident
• $10,000 personal injury protection (PIP) per person

Hawaii operates under a no-fault insurance system, meaning your insurance premium is influenced by the requirement to carry personal injury protection (PIP). This coverage helps pay for your medical expenses regardless of who is at fault in an accident. Drivers are required to file a claim with their own insurance company for minor injuries after an accident, irrespective of who caused it.

The table reflects Hawaii's minimum car insurance requirements, covering bodily injury and property damage liability. Specific policy details may vary according to the agreement with your insurance provider.

Age plays a significant role in determining the cost of minimum car insurance rates. In Hawaii, drivers aged 22 to 29 generally face the highest premiums. This is predominantly due to their lack of driving experience and a higher likelihood of filing claims.

The table below shows the average minimum coverage cost in Hawaii per age group.

Drivers in Hawaii seeking the most affordable minimum coverage insurance can find the best rates with the following providers:

• GEICO: $275 per year; $23 per month
• Island Insurance Group: $333 per year; $28 per month

Although finding cost-effective solutions for your state minimum insurance needs is essential, it is equally important to choose coverage that aligns with your specific circumstances. Weighing the best car insurance options in Hawaii will help you make an informed decision.

In Hawaii, optional add-on coverages include collision, comprehensive, uninsured motorist, personal injury protection (PIP) above the state-required minimum and rental car reimbursement. While not mandated by law, these coverages can financially protect drivers against various unexpected events such as theft, vandalism and collisions with uninsured drivers. Determine how much car insurance you need by considering your personal circumstances and the value of your vehicle.

In Hawaii, the cost of a ticket for driving without minimum coverage varies depending on whether it's your first offense or you've been caught before. For a first-time offense, expect a fine, but if you're a repeat offender, penalties are harsher.

• Vehicle registration suspension: Your ability to legally drive your car can be affected.
• License suspension and reinstatement fee: Not having insurance could result in losing your license and paying an extra fee to get it back.
• SR-22 requirement: You might have to prove future financial responsibility by filing an SR-22 form.
• Up to six months in jail if uninsured in an accident: In serious cases, you might face time behind bars.

Driving without the required insurance in Hawaii is against the law. Follow state rules to avoid these penalties and ensure you're covered if an accident happens. Always carry insurance to protect yourself and others on the road.

After a car insurance policy cancellation in Hawaii, drivers should immediately seek new coverage to avoid the risks and penalties of driving uninsured. They must contact their insurance agent or shop for a new policy. Hawaii's DMV will be informed of the lapse in insurance, potentially leading to registration suspension and fines.

If securing a standard insurance policy is challenging, drivers can explore the Hawaii Joint Underwriting Plan (HJUP), a state-run program designed to insure high-risk drivers.

Driving without at least minimum car insurance in Hawaii is illegal. Maintain continuous coverage to protect yourself and comply with state laws.

Understanding the minimum car insurance requirements is essential for every driver in Hawaii. We answer frequently asked questions to help you comply with the local laws and ensure you're adequately covered on the road.