Hawaii Auto Insurance Guide

Hawaii may seem laid-back and relaxing, but when it comes to auto insurance requirements, this state doesn't mess around. As one of the country's few no-fault states, your auto insurance coverage must include personal injury protection in Hawaii. Here's a look at some other important auto insurance details that every Hawaiian driver should know about:

Hawaii Insurance Regulations

In Hawaii, auto insurance laws dictate that you must maintain at least the mandatory minimum coverage on any vehicle registered in your name. If you do not meet the required auto insurance coverage, you are to immediately surrender the registration and license plates for the vehicle. The state laws also demand that you carry proof of your auto insurance policy with your vehicle at all times. Failure to meet Hawaii's auto insurance laws could result in a fine of up to $500 and the suspension of your vehicle's registration.

Mandatory Minimum Coverage in Hawaii

If you're planning on purchasing auto insurance in Hawaii, you'll need to meet these minimum requirements to stay legal on the road:

• $10,000 for personal injury protection per person in an accident
• $20,000 for bodily injury to one person in an accident
• $40,000 for bodily injury for more than one person in an accident
• $10,000 property damage in an accident

Motorcycle Coverage Requirements

Hawaii's motorcycle auto insurance requirements are nearly the same as those for normal vehicles. Although personal injury protection isn't necessarily mandatory under Hawaii motorcycle auto insurance laws, it should be strongly considered.

• $20,000 for bodily injury to one person in an accident
• $40,000 for bodily injury for more than one person in an accident
• $10,000 property damage in an accident

Hawaii Auto Insurance Advice

As anyone who's ever purchased auto insurance in Hawaii could tell you, buying only the mandatory coverage just isn't enough. In fact, most insurance experts would recommend that you add several other options on top of the required auto insurance coverage. Aside from liability and personal injury protection, maintaining underinsured or uninsured motorists coverage is a good decision. This type of insurance will help cover any damages or injuries caused by an uninsured driver or hit-and-run driver. Contact your local insurance agent for other types of auto insurance available in your area.