The Aloha State
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Hawaii Auto Insurance
Hawaii is made up of beautiful islands with tons of sights to see and activities do. If you’re living in Hawaii, you know that it takes longer to drive from place to place on the limited island roads. Directions are given in regard to their relation to the ocean or to the mountains, car horns are used to say hello (not for complaining), and rainy seasons occasionally flood the roads. Speed also tends to be a problem on Hawaii’s highways and is a major source of accidents. Not to mention, the speeding tickets there can be very expensive.
For those times that accidents occur, even when you take the highest precautions, AIS can help you find Hawaii Auto Insurance that gives you the coverage you need.
Required Auto Insurance in Hawaii
The required coverages you’ll need for Hawaii Auto Insurance are Liability Insurance and Personal Injury Protection (PIP). Hawaii is considered a no-fault state, which means that yours and your passengers’ injuries are automatically covered in an accident, up to the amount of your PIP limits. Hawaii requires this coverage as a way to limit lawsuits for car accidents.
State Minimum Liability Coverage in Hawaii
- BI or Bodily Injury: $20,000 per person, $40,000 total per accident
- PD or Property Damage: $10,000
State Minimum for Personal Injury Protection (PIP) in Hawaii
- BI or Bodily Injury: $10,000 per accident
To learn more about specific Auto Insurance coverage, visit our Car Insurance Coverage page.
Optional Coverage in Hawaii
While the minimum Auto Insurance coverage required by Hawaii will allow you to drive legally, it is likely not enough to give you the coverage you would need in an accident. There are other coverages that you can choose to add to your Car Insurance policy to give you better peace of mind.
Below are some examples you may want to consider:
- Collision Coverage*: This helps pay for the damages to your insured car after a collision.
- Comprehensive Coverage*: This helps pay for the damages incurred through covered incidents that are not accident-related, such as weather, fire or theft.
- Uninsured/Underinsured Motorist Coverage: Even though Car Insurance is mandatory in the state of Hawaii, not everyone abides by the law. In the case that you get into an accident with an uninsured or underinsured motorist, this coverage will help compensate you financially, up to policy limits.
*Although Collision coverage and Comprehensive coverage are not required by law, they may be required in your car loan or lease contract with the lender.
You are under no obligation to purchase any of these optional Auto Insurance policies. But if you think that they may be right for you, call and AIS agent to see how you can add more coverage.
Hawaii is a No-Fault State
Hawaii is one of the few states that is considered a "no-fault" state. What exactly does that mean? In general terms, the intent behind a no-fault Auto Insurance policy is two-fold:
- To reduce claim expense by eliminating the need for litigation
- To expedite claim payment for medical bills and loss of wages by eliminating the need to determine fault
Feel free to contact an AIS agent to fully understand your options in a no-fault state like Hawaii.
Most Stolen Car Models in Hawaii
Auto Insurance rates may be higher if your car has more risk of being stolen. According to www.nicb.org, these are the top stolen cars in Hawaii for 2017:
- Honda Civic
- Honda Accord
- Ford Pickup (Full Size)
- Toyota Camry
- Toyota Tacoma
- Honda CR-V
- Nissan Frontier
- Nissan Altima
- Ford Pickup (Small Size)
- Chevrolet Pickup (Full Size)
Hawaii Auto Insurance Discounts
The best way to keep your Auto Insurance rates low is to maintain a good driving record. Auto Insurance carriers like to know that you’re a safe driver who doesn’t violate traffic laws.
Other discounts that you might be able to take advantage of include:
- Good Driver
- Good Student
- Anti-Theft Device
- Safety Device
To learn more about specific discounts, visit our Discounts page.
Millions of people choose to live in Hawaii because of the friendly people, the beautiful scenery and the Aloha way of life. However, trying to find the right Auto Insurance coverage can be the opposite of easy-breezy, especially for people who are unfamiliar with all of the coverage options available to them. That's why the helpful, experienced professionals at Auto Insurance Specialists can be an invaluable asset to Hawaiian drivers. For information and a free quote on a Hawaii Auto Insurance policy, call AIS today!