Hawaii Car Insurance
Surprisingly, many people feel that because Hawaii is one of the smaller states, a vehicle is not a huge benefit. Many people find benefits to driving in the state of Hawaii, and to do so, they will need a valid insurance policy that meets the minimum requirements of the state. People who are living in Hawaii are not all on vacation and having a good time, but they do need to be aware that there are drivers in the state who are operating vehicles without insurance.
It is important to protect yourself financially by having adequate automobile insurance coverage. The tools on this site are perfect for pointing you in the right direction and getting you the best rates available on car insurance in Hawaii. The first step is learning what the requirements for insurance are, as well as the best companies to purchase insurance from.

Auto Insurance Requirements In Hawaii
For people who are just moving to Hawaii and need information on insurance, welcome to the state. Many people also visit this website because they are looking to find better rates on insurance for their automobiles. The best car insurance rates a person can get are for policies that best fit their needs. People who have too much automobile insurance will end up paying more money than they need to in the form of car insurance premiums. People who have too little car insurance will end up paying more money out-of-pocket if an accident occurs.
Many people choose to get more than the minimum requirements for car insurance in Hawaii. These requirements are $20,000 per person and $40,000 per accident for bodily injury liability coverage and $10,000 per accident of property damage liability coverage. Also, personal injury protection, also called PIP, is required in the state. The minimum coverage a person can get in Hawaii for this type of insurance is $10,000 per covered person per accident, regardless of who is at fault in the accident. This type of insurance covers any medical expenses you may need for injuries from an automobile accident.
Average Cost Of Coverage In Hawaii
Automobile insurance coverage in the state of Hawaii is relatively inexpensive in comparison to the national average. With rates that are up to 25% or more less than the US average, Hawaii can be a great state for drivers. In addition to the state a person lives in, however, numerous other factors are used to determine automobile insurance rates. A person’s credit score, driving record, age, gender, marital status, and the vehicle they are driving, can all have an impact on how much a person pays for their insurance coverage plans.
Cheapest Car Insurance Companies In Hawaii
Each auto insurance provider also uses a different formula to determine a person’s auto insurance premiums in the state of Hawaii. Due to this, there can be a wide variation between one company and another in terms of costs. This is the strongest reason that people should comparison shop for car insurance. The tools on this website provide an excellent starting point and the perfect place to get free quotes for car insurance in Hawaii. Some of the best companies to purchase insurance in Hawaii from are Geico, State Farm, and Liberty Mutual.
Cheapest Car Insurance In Hawaii By Island
Are you planning on moving to Hawaii? Perhaps you already live there but are looking at a new city? Knowing the cheapest cities in Hawaii for car insurance can make an impact on your selection. Even though Hawaii is one of the lower-cost states for automobile insurance, saving money can be a huge benefit. Some of the islands with the lowest automobile insurance rates include Kauai and Maui.
Most Expensive Car Insurance In Hawaii By Island
On the more expensive end for car insurance, by Island, is the state of Hawaii. There are numerous other variables, inside the city or island a person lives on that determine costs for auto insurance plans. This includes a person’s driving record. Things like speeding tickets and other violations can have a drastic effect on how much a person pays for automobile insurance. A person’s credit score, marital status, and age can also affect prices.
Laws, Rules, And Penalties In Hawaii
Driving without insurance in the state of Hawaii can cost a person up to $5,000 in fines. Also, community service can be assigned up to 275 hours. A person’s driver’s license can be suspended for up to two years, their vehicle can be impounded, and jail time can also be assigned. This is a list of some of the penalties, which does not include your automobile insurance rates going up.
This long list of penalties, as well as the severe costs being assigned them has, is Hawaii deterrent for people driving without insurance in the state.
How to Save Money On Car Insurance in Hawaii
Get free quotes to compare multiple companies for automobile insurance policies here. This is the top way to save money on car insurance in Hawaii. Looking into all of the discounts you can apply for is also a great way to keep more money in your pocket.