Hawaii Auto Insurance Policy Requirements

Q: What is in a basic Hawaii auto insurance policy?

A: Consumers can add these main options to their Hawaii auto insurance policy:

  1. Liability Coverage
    1. Since property and people are completely separate insurance concepts, liability insurance is divided into two types:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability coverage is required in Hawaii. To legally drive in Hawaii, one must have a valid driver’s license and also the minimum of liability coverage in his or her auto insurance policy:
      1. 20/40/10” (Hawaii’s minimum auto insurance requirement)
      2. $20,000 for injury/death to one person.
      3. $40,000 for injury/death to two or more people.
      4. $10,000 for property damage.
    3. Liability minimums are different for vehicles that are leased.
  2. Collision Coverage is a legal requirement when your vehicle is financed (not completely paid for). It is optional for your Hawaii auto insurance policy if the vehicle is not financed.
  3. Comprehensive Coverage, similar to collision, is only required if you are still paying off your vehicle. If the vehicle has been fully financed, and is thus paid for, comprehensive is not required in your Hawaii auto insurance policy.
  4. Medical Payments Coverage is advisable to include in a Hawaii auto insurance policy though it is not required.
  5. Uninsured (and Underinsured) Motorist Coverage is another optional although recommended insurance option in Hawaii.
  6. Personal Injury Protection (PIP) Coverage is required under Hawaii state law.
  7. Other Options for your Auto Insurance Policy
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Hawaii a No-Fault state? 
A: Yes, Hawaii has a no-fault insurance system.
Q: How can I get a discount on a Hawaii auto insurance policy
A: To see if you are eligible for the several ways you may be able to save money on your policy, take a look at our list of auto insurance discounts.
Q: Where can I find more information about Hawaii auto insurance? 
A: You can consult the following official internet resources for more information on insurance coverage in the state of Hawaii:
  1. Hawaii Insurance Resources
    1. Hawaii divides its motor vehicle registration by island (county) and can be found at Honolulu.govHawaiiCounty.gov, County of Maui, and County of Kauai.
    2. The Hawaii Department of Commerce and Consumer Affairs insurance page helps inform the public of insurance laws and includes auto claims information.
  2. National Insurance Resources

With its majestic coastlines, tropical climate, and colorful culture, CLICKinsure agents are happy to provide their top services to residents of Hawaii. Residents in any Hawaii city, including Honolulu, Hilo, Kailua, Pearl City, Waipahu, Kahului, or Kailua-Kona can find reliable insurance information and coverage when they select CLICKinsure as their broker.