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Hawaii Car Insurance Requirements

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:

Liability Insurance

  • $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 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 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 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.

Consequences
1st Offense
2nd Offense
3rd Offense
Fines
$500 (or 75-100 of community service)
$1,500-$5,000 (or 200-275 hours of community service)
$1,500-$5,000 (or 200-275 hours of community service)
License Suspension
3 months (or until proof of insurance)
1 year (or until proof of insurance)
1 year (or until proof of insurance)
Jail Time
N/A
N/A
Up to 30 days

On top of all these penalties, you could also be required to maintain an SR22 policy for 3 years. If you have had multiple convictions within 5 years, you could also be facing suspension or revocation of registration plates.

Additional Types of Car Insurance in Hawaii

Although Hawaii only requires drivers to carry liability insurance PIP coverage, there is a number of additional coverage types you should consider including on your policy. Listed below are some common policy add-ons that can help strengthen your car insurance policy.

  • Collision: This covers damage to your vehicle as a result of an accident. Collision coverage pays out no matter who was at fault for the accident.
  • Comprehensive: Comprehensive coverage pays for damage your vehicle sustains when it is not in use or in an accident. Some perils this policy includes are theft and extreme weather.
  • Gap Coverage: If you have an auto loan or lease and your car is totaled, gap coverage helps cover you. It will pay the difference between the actual cash value (ACV) of your car and the remainder of the loan.
  • Roadside Assistance: If your car experienced mechanical issues while you are driving, roadside assistance can be there to help. Coverage varies from company to company, but, in general, it will help fix things such as dead batteries and flat tires.
  • Rental Car Reimbursement: Some accidents are severe enough that your car ends up out of commission for a few weeks. When this is the case, rental car reimbursement coverage will help pay for a rental car while you wait for your vehicle to be repaired.
  • Uninsured/Underinsured Motorist Coverage: Some drivers choose not to cover any insurance or fail to carry adequate coverage limits. If you end up in an accident with such a motorist and have a hard time getting your claims covered by their insurance company, uninsured/underinsured motorist coverage can help pay for damages and medical expenses.

Car Insurance is Important For Any Hawaii Driver

You should not only carry insurance because it is legally required in Hawaii. You will want to make sure your policy is actually substantial enough to cover you and your assets. Accidents can get very pricey, very fast. If you lack the proper coverage, unpaid bills can come back to you. You could even be facing lawsuits depending on the circumstances of the accident. Make sure that not only are your insurance limits high enough to protect you, but your policy add-ons make sense for you.

*This product may not be available in every state, please call an agent for more information.

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