Hawaii Auto Insurance

Auto insurance in Hawaii

Adequate car insurance is mandatory by law, with the added benefit of keeping you protected, should an accident occur. Whether the respective vehicle is used for personal or professional reasons, you must insure your vehicle, no exceptions allowed. Without insurance, you should expect legal consequences; these include fines of up to $1,000 and the suspension of your driving documents for up to six months. Driving documents refer, naturally, to your driver's license or the vehicle registration. To discover more information on the topic of auto insurance in Hawaii, just keep on reading this article.

What type of car insurance do you legally need in Hawaii?

The Mandatory Liability Insurance Act requires that all Hawaii residents who intend to operate a moving vehicle must be covered by a liability insurance policy. The absence of a valid insurance policy will always have legal consequences, such as the ones mentioned above. Most states now also have an online insurance verification system, which can be used to determine whether a vehicle is insured or not.

To operate a vehicle in the state of Hawaii, the respective auto insurance policy must meet a few requirements. These include: bodily injury liability ($40,000 per accident and $20,000 per person), property damage liability ($10,000 per accident), and uninsured motorist bodily injury ($40,000 per accident and $20,000 per person), basic personal injury protection ($10,000). The full coverage insurance offers more benefits than the minimum liability coverage; vehicle owners can opt for optional coverages, such as comprehensive and collision insurance. A higher liability coverage limit than the one required by law will offer the best possible protection in case of accidents or other vehicle-related events.

The sums mentioned in the paragraph above refer to the amount an insurance provider can pay, should you be involved in an at-fault accident. The law requires that all vehicle owners carry a copy of their valid insurance policy while driving. Naturally, driving without insurance is illegal, with legal consequences such as fines and the suspension of driving documents. Should a driver continue to operate a vehicle without insurance, jail time might be legally enforced. This is particularly valid for repeated infractions.

Average cost of auto insurance in Hawaii

How much does car insurance cost in HI? The state minimum auto insurance policy in Hawaii has a value of $370. Nonetheless, a full coverage insurance policy has an average value of $1,088 per year. In most cases, collision and comprehensive coverage are not include in the general policy, which means you will have to calculate the budget accordingly. Among the factors influencing the overall insurance rates, there are: vehicle, marital status, gender, presence of prior insurance, age, number of miles driven, location, driving record, etc. The recommendation is to choose an insurance policy that offers the best coverage, not the one that is most affordable.

Each state has its own rates to offer when it comes to the auto insurance. You can expect differences for both the minimum and full coverage, including when it comes to additional options, such as comprehensive and collision. The factors that influence these values include: number of drivers in accordance with the general population, road conditions, how many uninsured drivers there are in the city, at-fault accidents, weather-related accidents, etc.

Hawaii is much more affordable for the average car insurance than the national median, which is around $1,088. Among the states with the most expensive policies, there are: Pennsylvania, New York, Nevada, Michigan, Louisiana, Florida, Colorado, and California. As for the most affordable states, these are: Wisconsin, Washington, Tennessee, Oregon, North Dakota, New Mexico, Nebraska, and Maine. New York has the most expensive insurance policies, with $1,339 for the minimum coverage and $2,996 for the full one. Maine, on the other hand, is the most affordable, with $876 for the full coverage and $227 for the minimum one.

Within the state of Hawaii, you will find differences between the major cities. Some of the most expensive policies are found in Hilo, while Pearl City has better rates to offer. The average annual premiums in major cities are as follows: Pearl City - $1,415; Honolulu - $1,425; Waipahu - $1,431; Kailua - $1,455; Hilo - $1,495.

One of the main factors that influence the value of the auto insurance is represented by the age of the driver. This type of insurance typically costs more for young drivers, as insurance companies see them as less responsible. While a teenage driver will pay around $7,700 for his/her annual premium, a middle-aged driver will be accustomed to a premium of about $2,000. Gender differences are worth mentioning as well, with men enjoying more affordable rates. Married couples have access to the most affordable coverage, in contrast to those who are divorced, single, or widowed.

When calculating the value of a potential coverage policy, insurance companies take into account many other factors, including the driver's credit history. An exceptional credit will help drivers safe important sums on their annual premiums, as opposed to those who are dealing with a poor credit history. The presence of prior driving offenses, including DUI/DWI, at-fault accidents, reckless driving, and speeding, will increase the overall insurance rates. The rates might also vary in accordance with the type of coverage. It is worth mentioning that drivers can add both comprehensive and collision options to the state minimum policy, which is an advantage.

Did not find your city or county on the list? Please use our auto insurance companies search box at the top to locate all the best auto insurance quotes in Hawaii. Find car insurance in Hawaii by city, zip code or county name.

Finding the right auto insurance for you in Hawaii

If you are having a hard time finding the right insurance policy, we would be more than pleased to assist you. We have both the practical experience and knowledge necessary to match you with the best policy for your needs. Of course, in suggesting a particular policy, we will also consider your available budget. Just give us a call and we will offer our expert assistance. This service is free-of-charge, and it can save you from a complicated research process. We are also happy to discuss additional details about auto insurance, should you be interested. With our help, you will no doubt find an auto insurance policy that offers the best possible protection at an affordable price.