Hawaii Car Insurance Guide

When you are shopping for a new car insurance policy it is best to know the rules and regulations of the state in which you will be driving. These rules and regulations are different from state-to-state. One thing that is for sure is that no matter what state you are in you are going to need some kind of automobile insurance. The difference will come into play in regards to the type of insurance you will need, the documentation needed and the penalties for not complying with the car insurance rules.

Hawaii's Car Insurance Regulations

  1. Hawaii is what is called a "no-fault" state. This means that if you are your passengers are injured your car insurance company will pay the amount that you choose. This amount is in your policy under the title personal injury coverage.
  2. There is a minimum amount you must get for personal injury coverage and damage liability coverage. This minimum is $10,000 per person for personal injury coverage, $20,000 per person for damage liability coverage, $40,000 per accident with bodily injury for damage liability coverage and $10,000 per property damage for damage liability coverage.
  3. Hawaii doesn't require that you have uninsured motorist coverage however this coverage could be beneficial if you were to get into an accident where the person at fault doesn't have car insurance coverage. You want to make sure you and your property is covered in all cases. You also want to be covered in the case someone else was injured in the car accident and comes after you for monetary payment.
  4. You are required to have the minimum car insurance coverage there is. It is illegal to drive around Hawaii without car insurance. If you do drive around without car insurance it could lead up to heavy penalties and maybe even imprisonment. You will also have to turn in your cars license plates and registration information until you obtain the required car insurance coverage. This would be a big penalty if you were unable to drive your car but still have to pay on the auto loan.

    You are also required to carry proof of car insurance in your car at all times. If you are pulled over and don't have proof of your car insurance coverage, you could also get fined and have to turn in your license plates and car registration until you show proof of your car insurance coverage.