Car Insurance Laws in Hawaii
Under Hawaii auto insurance laws, drivers must carry at least minimum liability coverage. Drivers caught without proof of insurance the first time will face a $500 fine and have their license suspended for up to three months. A subsequent violation within five years will cost the driver between $1,500 and $5,000 and a suspended license for one year. The only way to get their license back is to provide proof of coverage to their local government. Drivers caught without a license more than twice will have their license plate removed.
Community service sentences may be imposed in lieu of fines at the discretion of a judge, but must be requested by the driver’s attorney.
Minimum coverage requirements in Hawaii
Minimum car insurance requirements in Hawaii include:
- $10,000 per person in personal injury protection
- Civil liability of $20,000 per person in the event of bodily injury
- Civil liability of $40,000 per accident for bodily injury
- Civil liability of $10,000 in property damage
How to Get Cheap Car Insurance in Hawaii
Landing cheap car insurance is much easier in Hawaii than in most states due to low statewide rates. To further reduce premium costs, drivers should shop around, gather quotes, compare coverage levels and consider discounts offered by insurers.
How much does car insurance cost in Hawaii? This is the original price quoted minus any discounts the driver is entitled to. The number of potential insurance discounts varies by insurance company, but taking the time to review the options can save you money. Here are some of the most common discounts offered:
- Good student discount
- Defensive driver discount
- Discount on full payment
- Discounts outside of school
- Professional Discount
- Graduate discount
- Discount Professional Organization
- Discount on Security Features
- Discount based on usage
- Multi-car discount
- Multi-policy discount
- Discount on new cars
Car insurance quotes in Hawaii are based in part on credit scores. If a driver’s credit score is low, taking steps to raise it can lower the rate they pay for car insurance. One way to get affordable car insurance in Hawaii is to focus on things like paying bills on time and keeping debt levels low. It may take time but it will be worth it.
Other Things to Consider When Finding Car Insurance in Hawaii
According to the Hawaii Department of Commerce and Consumer Affairs, there are some pretty great coverages available in the state. For example, it is possible to subscribe to a policy that includes alternative support. While not particularly unusual, what sets it apart is that this alternative care coverage includes access to faith healing.
We know at least three things about car insurance in Hawaii:
- It is relatively inexpensive
- Being insured prevents a driver from incurring huge fines
- Some policies offer unusual coverage options
The best auto insurance companies in Hawaii are happy to provide drivers with the information needed to compare rates and coverages. When it comes to auto insurance, some of the lowest rates in the country are found on the islands. With minimum coverage costing less than $16 per month, it’s hard to imagine why anyone would drive unprotected.
RELATED: Check out The Ascent’s guide to the best homeowners insurance in Hawaii.