Compare Auto Insurance in Hawaii
- $20,000 bodily injury for one person
- $40,000 per accident
- $10,000 property damage
- Click here to read more on Hawaii state auto insurance minimums
- DUI is considered a BAC of 0.08%.
- Drivers with a BAC of 0.18% and higher are seen as “highly intoxicated.”
- Click here for more DUI laws in Hawaii.
- SR-22 may be required for a number of reasons.
- An SR-22 is typically required to reinstate a suspended license.
- Click here for all SR-22 requirements in Hawaii.
- The state of Hawaii does not have any statewide Hads-Free laws.
- Hawaii County and Honolulu do have laws requiring a Distracted Driver device.
- Click here for Hands-Free laws in Hawaii.
- Hawaii utilizes a Graduated Driver Licensing (GDL) system for teen drivers
- The GDL is intended to minimize high-risk situations for inexperienced drivers.
- Click here to learn all you need to know about Hawaii teen driver laws
The State of Hawaii mandates the following minimum coverage amounts for all of its motorists:
- $10,000 total in Personal Injury Protection (PIP). This insurance coverage protects you when you are involved in an accident, no matter who is at fault. It pays a portion of the costs such as accident-related medical expenses and lost wages.
- $10,000 total for bodily injury coverage, per person
- $20,000 total for bodily injury coverage, per accident
- $10,000 total for property damage, per accident
It’s important to remember that these amounts are the minimum required by law. Most insurance experts recommend that you consider purchasing higher amounts of coverage to protect yourself financially. If you don’t have the proper amount of coverage and are held responsible in an accident, your home, savings, future wages, and all other personal assets can be at risk in order to cover the costs of accident-related medical bills, property damage, and lawsuits.
Your auto insurance agent is a knowledgeable and trusted source for information regarding the state’s minimum requirements and also any other questions you may have about different types of coverage and amounts.
For any other concerns or questions, please contact:
Hawaii Department of Commerce & Consumer Affairs- Insurance
|King Kalakaua Building
335 Merchant Street, Room 213
Honolulu, Hawaii 96813
Hawaii Car Insurance Agents
If you live in Hawaii and are looking for an auto insurance agent to help you with your insurance needs, you’ve come to the right place.
Auto insurance agents are highly trained professionals whose goal is to make buying auto insurance easy and enjoyable for their customers. Since they keep up with the latest trends in the insurance industry, they are a knowledgeable source when it comes to putting together a comprehensive auto insurance policy that meets the needs of their customers without breaking the bank. That’s important in today’s economy!
A good agent will take the time to listen to your needs and circumstances with regards to auto insurance and will always consider and use your answers when writing up a policy which protects you, your property and your assets. You can rely on your agent to stand by you when you have a claim and to help you throughout the entire claim process. You should also expect your agent to make sure that your policy is up-to-date and that you maintain coverage which is appropriate for your personal situation.
If you would like to receive a quote from a qualified agent, please use our Agent Locator to find an extensive list of agents in your local area. You can depend on any one of these agents to maintain a high standard of professional excellence while working hard to make sure you get the best Hawaii Auto Insurance policy possible.
Tips to saving money on your insurance premiums
- Raise your deductible. Remember, the higher your deductible, the lower the cost.
- Drive carefully. A clean driving record can add up to big savings when buying insurance.
- If you’re purchasing a new vehicle, get an insurance quote before you buy. Insurance prices can vary dramatically depending on the make and model of the car you purchase.
- Bundle your insurance policies. Purchasing life, home, auto and other insurance policies from one company can earn you up to 10% off the total cost of your premiums.
- Improve your credit score. Many insurance companies use your credit score to determine the amount of your premium. Check your credit score before applying for insurance to make sure it is accurate and up-to-date.
By taking advantage of these money-saving tips and working with a professional insurance agent, you can be confident that you are getting the lowest possible rate on your auto insurance policy!
With the advent of the Internet and the launch of sites like CarInsurance.Info, searching for lowest rates for Hawaii auto insurance has never been easier. With this site, you can compare the insurance costs of all insurance providers and select the most appropriate coverage for your budget. CarInsurance.Info offers all the information you need to make a sensible decision pertaining to coverage. A careful evaluation of auto insurance options helps you save time and money. The lowest insurance costs for the entire state of Hawaii can be obtained from this site.