Hawaii Car Insurance – Auto Insurance Quotes in HI
Hawaii’s drivers tend to be cautious, safe and courteous. Hawaiians will stop to let cars merge, slow down when it rains and even yield to drivers making left turns across traffic. In fact, surveys place Hawaii second only to Massachusetts in lack of driving aggression. Drivers visiting Hawaii from other states with more aggressive driving styles will want to consider the local customs while on the road. While staying on this beautiful island, drivers may want to consider finding and comparing car insurance to find the best, most affordable policy available.
Hawaii Car Insurance Requirements
Hawaii follows a no-fault car insurance system for bodily injury, meaning each driver’s auto insurance company will make payments for their own injury claims regardless of fault, up to a specified limit. Drivers lose some of their rights to sue or litigate under a no-fault system, though lawsuits are still possible in the event of very serious injuries. Property damage coverage in Hawaii is handled under an “at fault” tort system.
Hawaii state law also requires drivers to have personal injury protection (PIP) coverage with their car insurance policies. Uninsured/underinsured motorist bodily injury coverage is available, but not required. MyCarInsuranceRates.com can help you understand the coverage you need to protect yourself while driving in Hawaii.
Understanding Hawaii Car Insurance Liabilities & Coverage
Like most states, Hawaii has mandatory minimum car insurance coverage requirements. In Hawaii, drivers must have bodily injury coverage of at least $20,000 per person and $40,000 per accident, property damage liability of at least $10,000 per accident, and personal injury protection limits of at least $10,000 per person. This is a basic minimum liability car insurance coverage plan often referred to as 20/40/10 coverage. Hawaiian drivers have the right to refuse uninsured motorist coverage in writing, or may purchase a minimum of $20,000 per person uninsured motorist coverage, to cover serious injury or death if the at-fault driver does not have insurance.
Hawaii Insurance Coverage
- Bodily Injury Liability: $20,000/$40,000 Limit
- Property Damage iability: $10,000 Limit
- Personal Injury Protection (PIP) or Managed Care (PPO): $10,000 Limit
Hawaii Car Insurance Laws & Regulations
All Hawaii car owners must have a current, valid auto insurance policy for their car. State law in Hawaii mandates that each vehicle is covered for at least minimum coverage. Drivers are required to retain proof of insurance in their vehicles at all times. The penalties for failing to maintain an active insurance policy can be harsh. Proof of insurance is required if involved in an accident, stopped by authorities while driving, and drivers can be ticketed or fined if they fail to provide proof of insurance with “an insurance card” when requested.
Drivers who fail to get coverage for their vehicle are required to surrender the car’s registration and license plates and can face fines of up to $500. Drivers will not be able to operate their vehicle until they secure insurance and re-register it.
Average Hawaii Car Insurance Rates
The average auto insurance premium for residents in Hawaii in 2010 was $1,119; the national average was considerably higher at $1,538. Some drivers in Hawaii do not bother to shop for the best car insurance rates because they think the state only allows flat rates. However, each auto insurance company calculates its rates differently, so a driver’s rates will differ with each company. The only way to know if you can get a better price is to shop around and compare the premiums of different insurance companies through car insurance quotes.
Hawaii Car Insurance Quotes
In Hawaii, car insurance premiums fell by a full 17% from 2009 to 2010. With reductions like these, right now is the perfect time to shop for new lower rates on your car insurance. By requesting a free car insurance quote online, policyholders could save hundreds of dollars in 2011 insurance premium costs.
MyCarInsuranceRates.com makes finding your best car insurance rate as easy as it can be. Simply enter your zip code and request a quote today and we’ll get the best car insurance companies, such as Nationwide, Allstate, GEICO, Progressive, 21st Century Insurance, Liberty Mutual, State Farm, Farmers Insurance, AAA and AARP, to compete for your business, ensuring you get the best rate quotes possible.
Enter your zip code to begin a free car insurance quote and find cheap Hawaii car insurance.
