The Aloha State is the only US state that consists of a string of islands. While relatively small, the state has many roads and motorists, and there are some rules and regulations about Hawaii car insurance that you should know about.
Your local Trusted Choice® member agent will help you understand state coverage requirements, compare Hawaii auto insurance quotes, and find the best insurer for your unique needs. Find a member agent to get the quotes you need today.
Car insurance rates in Hawaii are basically on par with what you can expect nationwide. The premium you pay for Hawaii car insurance will depend on your unique profile, including the car you drive, where you live, and how often you hit the roads. When you collect quotes from reputable insurers, you’ll be able to get a clearer idea of your overall investment cost for car insurance.
Hawaii state government requires that you purchase car insurance with the specific liability limits listed above. If you are found to be without the required coverage, you can be subject to fines. A first time offender may have to pay up to $500, or complete community service. Repeat offenders could face fines of up to $2,500.
While Hawaii’s percentage of uninsured drivers is slightly lower than the national average, it’s still in the double digits. Uninsured drivers can really cause havoc on the roads. If you are in an accident caused by a driver without adequate insurance, you could have a big hassle on your hands when you try to get compensation for your losses. These drivers may not have the money to pay out-of-pocket for the damages they cause.
Uninsured motorist coverage is not required in Hawaii, but your agent may suggest it as a way to protect your car from damages caused by drivers without proper coverage. If you have this policy option, you will be able to get compensated by your own Hawaii car insurance company, who may then pursue the at-fault driver for compensation.
There are some common sense actions you can take to lower your risk of car theft:
To compare rates and choose the best option for your needs and budget, contact your local independent Trusted Choice member agent. These agents can compare multiple Hawaii car insurance companies and rates so you can be assured of finding the right policy at a great price.