Auto Insurance in Hawaii (HI)

What Affects Auto Insurance Rates in Hawaii?

Residents of Hawaii will find that several factors will affect their car insurance rates. One study found that motorcycle owners were more likely to have their bikes stolen in Honolulu than in any other city in the United States, despite its relative small size compared to other large metropolitan areas. Hawaii also recently enacted legislation that grants teenagers driving privileges in graduated steps, from learner’s permit to provisional license to permanent license. The law is intended to lower accident rates among younger drivers, who are responsible for a higher proportion of crashes than other motorists. However, as a driver in Hawaii, your insurance rates are affected by a host of other factors, including what type of car you drive and whether you have been involved in accidents in the past.

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How much auto insurance do I need in Hawaii?

Hawaii has a modified no-fault system, which allows drivers to sue for pain and suffering once their medical bills surpass a certain amount, known as a “monetary threshold.” Drivers in Hawaii must carry minimum amounts of both personal injury protection and bodily injury coverage. The state-mandated minimums are as follows:

$10,000 of PIP coverage
$20,000 per person for bodily injury liability and $40,000 per accident
$10,000 in property damage liability

You should keep in mind, however, that these are the base minimums—most insurance companies recommend carrying limits significantly higher than the limits set by the state to adequately cover for all of your expenses if you were in an accident.

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What auto insurance discounts can I get in Hawaii?

As a driver in Hawaii, you may be eligible for a discount on your car insurance if you are a member of an organization such as a labor union or a credit union. Some companies offer discounts to military families. You may also qualify for a discount if your car has safety features such as airbags and anti-lock brakes, or if you have multiple cars on your insurance policy.

Some companies that offer insurance in Hawaii include: AAA, AIG, Allstate, Chubb, Electric Insurance Company, GMAC Insurance Online (National General), Horace Mann, Prudential, State Farm, The General, and Travelers Insurance.

More Information on Auto Insurance in Hawaii

Hawaii does not have a statewide department of motor vehicles. Instead, driver and vehicle services are handled by county governments. Go to www.state.hi.us for a list of county offices.

*Auto Insurance Options is a free information resource that provides content on auto insurance products and policies for informational purposes only, but is not an agency or insurer. Products and policies may not be available in all states.