Driving in Hawaii is very different from driving in other states of the United States. The good thing is that the Department of Transportation of Hawaii gives a detailed and exhaustive Hawaii Driver’s Manual to drivers. This one of the most detailed guides with instructions for driving that you would get in any state. Since driving in Hawaii is different from the rest of the country, you need to make sure that you have appropriate auto insurance in Hawaii. You get complete details about tips for safe driving, traffic rules, and licensing laws. Regardless of if you are driving at Makalawena Beach on the Big Island or the summit of Mauna Loa, you need to make sure that your auto insurance in Hawaii is as per the requirement of Hawaii laws.
Like a few states in the U.S., Hawaii is a no-fault state. Every policy for auto insurance in Hawaii needs to include personal injury protection insurance and liability insurance.
I have mentioned below the details of the minimum amounts that are required:
- $20,000 per person bodily injury liability.
- $40,000 per crash bodily injury liability.
- $10,000 per crash property damage liability.
- $10,000 Personal injury protection.
Even though the above amounts are the minimum legal insurance that you need to go for in case you are driving in Hawaii, it is always better to have more coverage. Having more coverage makes sure that you can fully cover any cost that may arise in case of an accident.
For example, if you have an accident, it is your fault and the other person’s car is wrecked, you will need to pay much more than $10,000/-. In this case, you will have to pay the difference amount out of your pocket if you don’t have a higher coverage.
The good thing is that even though Hawaii laws are strict, other than PIP, most of the states in the U.S. have almost the same minimum specifications. This allows you to check and decide the best options you can to choose. You can also check our list of the best car insurance companies in the country. Many reputed insurers’ online give you various discounts.
Factors that Determine Auto Insurance in Hawaii
Location and state is not the only factor that impacts your insurance quotes. For example, your age, experience and driving record, etc play an important role in your insurance premium. The make, age and model of your car too are very important when it comes to the premium for your car. Even safely features of your car are taken into consideration.
It is not easy to predict which insurance company will give you the best auto insurance in Hawaii. Depending on the company you opt for, the prices will vary for the same coverage options. This is why it is very important to compare the quote and then make your decision.
Types of Coverage for Car Insurance in Hawaii
When you apply for coverage, there are six basic options. A few are mandatory. For example, personal injury protection is mandatory in Hawaii. You can also choose underinsured and uninsured motorist coverage, comprehensive coverage, collision coverage, and medical payments coverage.
The rates will differ depending on the amount of coverage that you take and the various options that you choose. Depending on your requirement, you can choose your car insurance in Hawaii. For example, if a storm wrecks your car, comprehensive coverage will help you to buy a new one without shelling out money from your pocket.
You can also check the various discounts that many insurance companies offer including Prior Insurance Discount, Hybrid Vehicle Discount, At-Fault Accident-Free Discounts, Renewal Discount, Multi-Policy Discount, Multi-Car Discount, Defensive Driving Discount, Anti-Theft System Discount, etc.
Finally, make sure that you get your car insurance in Hawaii only after you have compared all the options, checked which coverage is the best for you and the amount of coverage you need. You can check NAIC (national association of insurance commissioners) ratings to understand which insurance company is the most appropriate one for you.