It's no surprise that Hawaii consistently ranks in lists of the 10 most beautiful states in America. From beautiful beaches and crystal clear waters to breathtaking mountains, rain forests, and other natural wonders, Hawaii is one of the most beautiful places on the planet.
Driving in many parts of Hawaii is challenging and dangerous. For residents of the state, especially those who own motorcycles, safe driving is even more difficult with the abundance of tourists on the road at any given time. It’s essential that Hawaii’s many motorcycle owners have motorcycle insurance before they hit the road.
A local independent insurance agent can help you find the best motorcycle insurance in Hawaii for your needs and budget. These agents can answer your questions and help you compare free quotes from multiple insurance companies.
Is Motorcycle Insurance Required in Hawaii?
There are nearly 31,000 motorcycles registered in Hawaii. If you’re one of these bike owners, you are required by Hawaii law to have motorcycle insurance. Specifically, you must have a minimum amount of motorcycle liability insurance, as follows:
- Bodily injury liability: $20,000 per person/$40,000 per accident
- Property damage liability: $10,000 per accident
Bodily injury liability insurance covers you if you are at fault in an accident and someone other than yourself is injured. Property damage liability insurance covers damage to another person's vehicle or property in an accident that is your fault.
Although liability coverage is mandatory, it’s a good idea to carry higher liability coverage limits and additional coverage options that extend to you and your motorcycle. In Hawaii, your insurance company must also offer you optional coverage, including personal injury medical payments coverage up to $10,000, an income disability plan, and higher liability limits.
You must have a valid motorcycle or motor scooter license in order to purchase motorcycle insurance in Hawaii.
What Does Motorcycle Insurance Cover in Hawaii?
Other than increasing your liability limits, it's a good idea to insure yourself against injury and your motorcycle against theft and damage. Consider that there are over 220 motorcycle thefts reported in Hawaii in a given year. If you don’t purchase certain types of coverage, you’ll have no financial recourse for repairing or replacing your stolen bike.
These are the additional types of motorcycle insurance coverage that you may want to consider to better protect your investment in your bike:
- Collision: Protects your motorcycle if it is damaged in an accident
- Comprehensive: Covers your bike in the event of a non-collision incident, such as theft, vandalism, hail damage, and more
- Uninsured/underinsured motorist: Provides for you if you are in an accident with someone who is uninsured or whose insurance does not cover the full extent of the damage to you or your motorcycle
- Medical payments: Offers you and others who ride with you medical and hospitalization payments if injured
You might also need additional coverage if your bike has custom parts and accessories. Most basic motorcycle policies will only cover factory standard parts. Other optional coverage includes lease/loan gap coverage, guest passenger liability, towing and labor (or roadside assistance), and rental reimbursement coverage.
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How Much Does Motorcycle Insurance Cost in Hawaii?
The average annual cost of motorcycle insurance in Hawaii is $540. But your premiums may be higher or lower than this average depending on certain risk factors and the types of coverage that you purchase.
A policy with more comprehensive coverage and higher coverage limits will cost more than a policy that covers the bare minimum.
What’s more, insurance companies will consider your risk factors, such as:
- Your age and driving record
- Your credit score
- Where you live and travel
- Whether you ride year-round or just seasonally
- The make and model of your motorcycle
- Any custom components you have added to your bike
A more expensive bike or a more risky riding profile is likely to result in more costly motorcycle insurance. By getting multiple quotes for motorcycle insurance in Hawaii, you can find the policy that offers the best protection for your budget.
What Are the Best Motorcycle Insurance Companies in Hawaii?
It can be simple to find the best motorcycle insurance companies in Hawaii. A local independent insurance agent can help you get motorcycle insurance quotes from multiple insurance companies, so you can select the best policy for your needs and budget.
How Can an Independent Insurance Agent Help Me Find the Best Motorcycle Insurance in Hawaii?
Instead of getting an online quote, find an independent insurance agent now, and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.
What’s more, your agent will be there for you when the time comes to file a claim. They know the ins and outs of the process and will make sure your claim is handled appropriately.
Contact an agent today for a free, no-obligation consultation.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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