Given that it’s the preferred destination for millions of Americans to spend at least a little bit of vacation time, the Aloha State needs little in the way of introduction. Hawaii is the newest state in the country, having joined the union in 1959. Since then, Hawaii has become lauded for its incredible beaches, active volcanoes, sun and surf. Below we’ll take a look at Hawaii auto insurance and how things work in the state.
Hawaii Car Insurance Requirements
In Hawaii, the state liability coverage minimums are:
- Bodily Injury Liability Coverage – $20,000 per person
- Bodily Injury Liability Coverage – $40,000 per accident
- Property Damage Liability Coverage – $10,000 per accident
Personal Injury Protection (PIP) minimums:
- $10,000 per person
Optional coverage options in Hawaii:
- Comprehensive Coverage
- Collision Coverage
- Rental Car Coverage
- Roadside Assistance / Towing Coverage
- Uninsured/Underinsured Motorist Bodily Injury Liability Coverage
- Uninsured Motorist Property Damage Liability Coverage
Hawaii is one of the few states that operate their auto insurance programs under what is known as the “no fault” system. In Hawaii’s version of this system, when an accident occurs the driver who caused it will be determined “at fault”, but claims will be made to your own insurance company as opposed to suing the “at fault” driver and their insurance company. This tends to remove some of the complications involved with an accident, but does limit your ability to sue for damages.
Drivers in Hawaii must purchase insurance policies that reach a certain minimum before they will be allowed on the road. Personal Injury Protection insurance covers the insured driver and their passengers for any injury treatment, rehabilitation or other costs that are incurred in an accident. If the other party caused the accident, PIP will usually kick in after the other party’s insurance coverage is exhausted (if you still have necessary costs). A minimum of $10,000 of PIP coverage is required.
Bodily Injury Liability works much like the above PIP coverage, except it’s intended to cover any parties in the other vehicles (or pedestrians) in the accident when you are at fault. For example, if you cause an accident and the other driver becomes injured, your BIL coverage will pay for their medical treatment and other costs. Drivers in Hawaii must have a minimum coverage of $20,000 per party, per accident and $40,000 for all parties in a single accident.
Property Damage Liability is the last policy that is required for all Hawaiian drivers. This insurance covers any damage you cause to other cars or structures when you are at fault for an accident. The minimum amount of PDL coverage required in Hawaii is $10,000; this is somewhat low so if possible, try to bump it up.
Car Insurance Rates In Hawaii
Hawaii is one of the least expensive states in the country to insure a vehicle, so if you live in Hawaii consider yourself extra lucky! The average auto insurance premium across the state is $1140, which is about $300 per year lower than the national average of $1439. Drivers in Honolulu pay a bit more, at $1225, which is the case for most drivers who live in higher-risk metropolitan areas. Those who live in Hilo pay just $1160 per year, on average. With car insurance rates this low, it definitely pays off to purchase supplemental coverage. If you have space in your budget, be sure to bump up your car insurance to higher coverage amounts.
Hawaii Accident And Theft Stats
While Hawaii doesn’t report much in the way of annual crash statistics, they do publish data regarding traffic accidents and fatalities. Since 2006, annual traffic fatalities have been on the decline, dropping from 161 to just 109 fatalities in 2009. This drop is largely due to a huge push to get Hawaii’s drivers to buckle up. In the same time period, seat belt use rose by about 5%, thanks to a push by Hawaii’s law enforcement. The data in Hawaii shows that more than half of the people who suffered fatal injuries in crashes weren’t wearing their seat belt; no matter where you are, it pays to buckle up!
The news is just as good when it comes to auto thefts. The number of vehicles reported stolen has dropped by more than half since 2002, with just 4,819 auto thefts in 2009. This is a huge drop, and both drivers and police officers should be applauded for their focus on reducing the relatively high auto theft rates in Hawaii. With both the crash fatality rates and the auto theft rates dropping, drivers in Hawaii should continue to see their auto insurance premiums come down in overall cost.
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Hawaii Auto Insurance Agents
- Captain Cook
- Ewa Beach
- Kailua Kona
- Lanai City
- Mountain View
- Pearl City
- Schofield Barracks
Hawaii Auto Insurance Resources
- Motor Vehicle Insurance Information – From the department of insurance in Hawaii
- Motor Vehicle Information – Honolulu government DMV website
- Hawaii Insurance Department – Hawaii department of commerce and consumer affairs website
- Hawaii Highway Safety Laws – From the Governors Highway Safety Association