Hawaii Auto Insurance
Hawaii is a beautiful land with tons of things to see and do. If you’re living in Hawaii, you know that it takes longer to drive between points on the island roads. Directions are given as towards the ocean or towards the mountains, horns are used to say hello not for complaining, and rainy seasons can bring floods to the roads. Speed tends to be a problem on Hawaii’s highways and is a major source of accidents. Not to mention, the speed tickets here can be very expensive.
For those times that accidents happen, even when you take the highest precautions, AIS can help you find Hawaii Auto Insurance that gives you the coverage you need.
Required Hawaii Auto Insurance
The required coverages you’ll need for Hawaii Auto Insurance are liability and Personal Injury Protection (PIP). Hawaii is considered a no-fault state; this means that yours and your passenger’s injuries are automatically covered in an accident, up to the amount of your PIP insurance.
State Minimum Liability Coverage in Hawaii
While PIP does cover yours and your passengers’ injuries, it is only up to a specific amount. Accident fault is not taken completely out of the equation, so liability coverage is still required to cover the third party’s injuries and damages. Your Hawaii Auto Insurance policy must have liability coverage with these minimum amounts:
- BI or Bodily Injury: $20,000 per person; $40,000 total per accident
- PD or Property Damage: $10,000 per accident
Hawaii Minimum for Personal Injury Protection (PIP)
Hawaii requires this coverage as a way to limit lawsuits for car accidents. In Hawaii, you are required to have Personal Injury Protection (PIP) with the following minimum:
- Personal Injury Protection (PIP): $10,000
Optional Coverage in Hawaii to Consider
While the minimum Auto Insurance 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 Hawaii Auto Insurance policy.
- Collision - This helps pay for the damages to your insured car after a collision
- Comprehensive - This helps pay for the damages incurred through covered incidents that are not accident-related, such as: weather, fire, or theft.
- Uninsured/Underinsured Motorist - 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 financially.
Most Stolen Car Models in Hawaii
According to www.nicb.org, these are the top stolen car in Hawaii for 2013. Auto Insurance rates may be higher if your car has more risk of being stolen.
- Honda Civic
- Honda Accord
- Ford Pickup (Full Size)
- Toyota Tacoma
- Dodge Caravan
- Toyota Camry
- Dodge Pickup (Full Size)
- Acura Integra
- Nissan Frontier
- Ford Pickup (Small 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 that doesn’t violate traffic laws. Other discounts that you might be able to take advantage of, are:
- 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 sometimes be difficult, especially for people who aren't familiar with what all of the coverage options have to offer. 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!
Start a Hawaii Insurance Quote Today: (888) 772-4247