Hawaii Minimum Car Insurance Requirements
As is the case with many other states, Hawaii has a mandatory minimum liability insurance coverage that every driver must legally carry. Hawaii is always one of the 12 states that is a no-fault state. This means that each party should file claims with their own insurance company. For this reason, Hawaii always had a required amount of personal injury protection (PIP) coverage drivers must carry. Outlined below are the mandated minimum liability insurance and PIP coverage amounts drivers have to carry in the state of Hawaii:
- $20,000 bodily injury per person
- $40,000 bodily injury per accident
- $10,000 property damage per accident
Personal Injury Protection (PIP)
- $10,000 per person
What has been listed above is only the minimums the state requires. Your bank or leasing company could ask you to carry additional insurance coverage if you are financing or leasing your car.
Hawaii Personal Injury Protection (PIP)
Since Hawaii is labeled as a no-fault state, each driver has to find a way to pay for their own medical expense along with those accumulated by their passenger(s) in an accident. This is where PIP coverage comes in to pay for medical costs after an accident regardless of who was at fault. If the accident resulted in serious injuries or death, you are still able to file a lawsuit against the other driver to gain further compensation.
Hawaii Liability Car Insurance Coverage
Liability insurance is required for every driving in the state of Hawaii. If you are at fault for an accident, liability insurance will come in to pay for damages the other party was sustained due to your actions. Liability coverage will never pay for you. Instead, you would have to turn to your own insurance policy for assistance. Coverage limits are determined by each state. The minimum in Hawaii is 20/40/10.
Car Insurance Limits in Hawaii
As explained in the previous section, the state of Hawaii has liability insurance limits imposed on 20/40/10. This means if you carry strictly the state-mandated liability policy, your insurance company will only pay, for example, up to $10,000 in property damage. Each of these numbers expresses the coverage limit on the state-mandated policy. The categories are explained below.
- Bodily injury per person is the amount that your insurance company will pay for injuries you imposed on one person during an accident you were responsible for. In Hawaii, the state-mandated minimum is $20,000.
- Bodily injury per accident refers to the amount of money your insurer will payout for all injuries in an accident you caused. The state-mandated minimum for this in Hawaii is $40,000.
- Property damage per accident is the limit of what your insurer will pay for damages you cause in an accident. In Hawaii, the mandated minimum is $10,000.
Is Hawaii’s Mandatory Car Insurance Minimums Enough Coverage?
The mandatory liability insurance minimums in the state of Hawaii are on the lower end when compared to other states. Coverage limits can get hit very quickly with a policy like this. For example, $10,000 will barely make a dent when it comes to paying for a new vehicle should you total someone else’s car in an accident. The same goes for medical expenses. While there is PIP coverage mandated for drivers in Hawaii, if you are required to pay out for any medical bills later down the line, that coverage limit will be exceeded quickly. Anything not covered comes back to you. It is highly recommended you expand insurance limits and consider policy add-ons before driving.
Driving Without Proof of Car Insurance in Hawaii
Failure to provide proof of car insurance in the state of Hawaii can result in you being hit with some pretty hefty penalties. The chart below outlines what you could be facing in the state of Hawaii if you are found to be driving without insurance.