Hawaii Auto Insurance Requirements

The state of Hawaii mandates that you must carry insurance on a vehicle owned by you and must carry proof of such insurance in the vehicle at all times. If you are stopped and cannot provide proof of insurance for the vehicle you are driving, you could face penalties such as tickets and fines. If you cannot prove that you have insurance after you have been fined or ticketed, you are required to give the registration and license plates back to the state of Hawaii.

The minimum coverage required by state law in Hawaii is $10,000 for single personal injury, $20,000 per personal injury totaling $40,000 for total injuries, and $10,000 for personal property damage. The state of Hawaii does not require drivers to carry uninsured motorist coverage, although it is very highly recommended by insurance experts that you do. This could save money in the event of a serious accident.

NO FAULT

    Hawaii is a no fault state. This means that you cannot sue or be sued unless there is serious injury or death in the event of an accident. This does not mean that the party at fault is not responsible for vehicles or property. The no fault law applies only to minor injuries. Your insurance will be responsible for only the driver and passengers in the insured vehicle.

    When purchasing an insurance policy you should keep in mind that the minimums set by state law are only the amounts you are required to carry to legally drive in that state. Any costs that exceed the coverage amount will become your personal responsibility so make certain that your coverage will be enough.