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Hawaii Auto Insurance

Mandatory auto insurance laws do exist in Hawaii.  All vehicles owned by motorists must carry a minimum of liability coverage.  Motorists may not register an owned vehicle until proof of insurance coverage is presented.

When renting a vehicle in Hawaii you must carry at the very least, the state minimum of liability coverage.  Many people get coverage automatically from their personal automobile policy which extends to rental vehicles and often a credit card will also provide coverage for rental vehicles.  If you do not have coverage on your own, you will be required to purchase automobile insurance from the company you are renting the vehicle from. With Hawaii being such a popular tourist location it is suggested that when renting an automobile, one gets an auto insurance quote.

When using your rental vehicle, you must have a copy of the insurance coverage, not the auto insurance quote, with you at all times.  In Hawaii there are many places where a vehicle may be used "off road" such as on the beach or a park, and using your rental vehicle in these off road places will void all insurance coverage whether it is your own insurance from back home or a credit card, or the insurance that you may have purchased from the rental company.

If you do not have motor vehicle insurance, Hawaii has a "No Fault System".  Hawaii does not require it's residents to carry Comprehensive and Collision insurance or Uninsured/Under-insured Motorist coverage, however the State of Hawaii does require that all motorists carry a minimum of $10,00 Personal Injury Protection (PIP).  No Fault is only valid for personal injury - and has a cap of $5,000.  You may however be able to file a personal claim against the other driver if they are found to be at fault.

Hawaii insurance companies can also exclude a driver from an auto insurance policy for a variety of reasons under the laws.  Any exclusions must be stated in the auto insurance quote policy.
Should your insurance policy lapse in the State of Hawaii, you still must carry the minim of $10,000 PIP.  Fines for driving without insurance are very high and insurance companies will automatically notify the government if your policy is cancelled.  If you are caught driving without insurance, fines vary from $1,000 for a first offense and $3,000 for subsequent offenses - additionally you could have your license suspended or face imprisonment and have to turn in your license and registration. When you re-apply for coverage, you will notice that your auto insurance quote will increase due to prior infractions. The average insurance premium in 2006 was $853 annually.  This makes Hawaii the 15th most expensive State in the Nation.

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Hawaii Car Insurance

Although Honolulu, Hilo, Kailua, Kāne‘ohe, and Waipahu are the biggest cities in Hawaii cheap car insurance rates vary from city to city and rates in Pearl City may or may not be different than Waimalu. Whether you live in Mililani Town, Kahului, Kīhei or some other city in Hawaii take 5 minutes and get free Car Insurance quotes now. If you are looking for additional ways to save take a look at our resources for finding Cheap Car Insurance in Hawaii.


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