Hawaii Car Insurance

Like any other state having proper car insurance coverage in Hawaii is very important. The state of Hawaii requires auto insurance coverage on every motor vehicle driven within the state.At insurancemozo.com, we understand the value of important information necessary to find the Best Hawaii Car Insurance for you. The below information will help you find the cheapest auto insurance rates in Hawaii.

What are the minimum Hawaii car insurance requirement?

Hawaii minimum car insurance requirements are:

Auto Insurance policy with limits of at least 20/40/10 – meaning:

Liability coverage
$20,000 of bodily injury to another person
$40,000 of bodily injuries to all other persons per accident
$10,000 of property damage of others in any one accident

Is Uninsured/Underinsured Motorist (UM/UIM ) protection required in hawaii?

Although uninsured and underinsured motorists coverage is not required in the state of Hawaii, many drivers choose to purchase it in order to cover any expenses they may accumulate from an accident in which an uninsured or underinsured driver is at fault.

Is Hawaii No Fault State?

Hawaii is a “no-fault” state, which meansthat if you are involved in an accident, your insurance company will pay for any damages to you, regardless of who is at fault. Drivers here are also required to obtain minimum personal injury protection (PIP) of $10,000 per person for medical and rehabilitative costs.

What kind of car insurance discounts are available in Hawaii?

There are various discounts available in Hawaii such as green car discount, good student discount, good driver discount, safety course discount etc.

Please review several discounts available here and ask insurance provider at the time of insurance if you can qualify for one.

How do I get a best Car Insurance Quote in Hawaii?

Your best option to find the most affordable car insurance coverage in Hawaii is to always start an auto insurance quote comparison search online. Just enter your ZIP code above to get FREE auto insurance quotes today.

Here at insurancemozo.com, we made it our job to find you the most affordable auto insurance quotes for you and your family, so that you won’t have to pay the outrageous insurance prices when you buy auto insurance in Hawaii.

Alternative Options to Insurance in Hawaii:

In Hawaii self-insurance certificates are also available for applicant’s whose financial condition is found to be strong enough to cover the cost of any claims to the same extent an insurance policy would.

However there are certain requirements the applicants need to fulfill for getting this certificate.

The applicant must furnish proof of his/her solvency and financial ability
Hawaii’s insurance commissioner will consider the applicant’s assets, liabilities, profit/loss record, liquidity, how many vehicles are involved, exposure, and other pertinent factors to determine if the applicant qualifies for self-insurance
Self-insurance certificates in Hawaii are good for one year and may be renewed on an annual basis
You must qualify by application to the Hawaii commissioner of insurance:
Hawaii Department of Commerce and Consumer Affairs

Insurance Division

P.O. Box 3614

Honolulu, Hawaii 96811

Required Proof of Insurance in Hawaii

It is mandatory for every driver in Hawaii to always carry a proof of insurance with themselves in the form of an insurance card provided by your insurance company. It should include the following:

Name of insurance company
Insurance policy number
Effective date/expiration date of policy
Accurate description of year, make/model of registered vehicle
Name of insured driver(s)


Official Website Links:

Hawaii’s InsureU Automotive Information
Hawaii Motor Vehicle Insurance Information
Hawaii Information on Insurance Fraud

Hawaii Department of Commerce & Consumer Affairs, Insurance Division
Office of the Insurance commissioner – Gordon I. Ito
P.O. Box 3614
Honolulu, Hawaii 96811
(808) 586-2790 or (808) 586-2799

Car insurance agents in Hawaii

Select your city from the list below to find local agents in your city: