Auto Insurance Laws in Hawaii
Per Hawaii auto insurance laws, drivers must have at least minimum liability coverage. Drivers caught without proof of insurance for the first time will face a $ 500 fine and have their license suspended for up to three months. A subsequent violation within five years will cost the driver between $ 1,500 and $ 5,000 and a license suspended for one year. The only way to get their license back is to provide proof of coverage to their municipal government. Drivers caught without a license more than twice will have their license plates revoked.
Community service sentences may be imposed in lieu of fines at the discretion of a judge, but must be requested by the driver’s lawyer.
Minimum coverage requirements in Hawaii
The minimum requirements for auto insurance in Hawaii include:
- $ 10,000 per person injury protection
- $ 20,000 per person civil liability for bodily injury
- $ 40,000 per accident liability for bodily injury
- Civil liability for property damage of $ 10,000
How To Get Cheap Auto Insurance In Hawaii
Landing cheap auto insurance is much easier in Hawaii than in most states because of the low rates statewide. To further reduce premium costs, drivers should shop around, collect quotes, compare levels of coverage, and consider discounts offered by insurers.
Hunting for discounts
How Much Does Auto Insurance Cost in Hawaii? This is the price initially offered, minus any discounts the driver can claim. The number of potential insurance discounts varies by insurance company, but taking the time to consider the options can save money. Here are some of the most common discounts offered:
- Good student discount
- Defensive driver discount
- Full payment remittance
- Discounts outside of school
- Professional discount
- Alumni discount
- Professional organization discount
- Discount on safety function
- Discount based on usage
- Multi-car discount
- Multi-policy discount
- New car discount
Auto insurance quotes in Hawaii are based in part on credit scores. If a driver’s credit rating is low, taking steps to increase it can lower the rate they pay for auto insurance. One way to get affordable auto insurance in Hawaii is to focus on things like paying bills on time and keeping your debt low. It may take a while but will be worth it.
Other things to consider when looking for auto insurance in Hawaii
According to the Hawaii Department of Commerce and Consumer Affairs, there are some pretty good blankets available in the state. For example, it is possible to purchase a policy that includes alternative care. While not particularly unusual, what sets it apart is that this alternative care coverage includes access to faith healing.
We know at least three things about auto insurance in Hawaii:
- It is relatively inexpensive
- Being insured prevents a driver from incurring huge fines
- Some policies offer unusual coverage options
The best auto insurance companies in Hawaii are happy to provide drivers with the information they need to compare rates and coverage. When it comes to auto insurance, some of the lowest rates in the country are found on the islands. With minimum coverage costing less than $ 16 per month, it’s hard to imagine why anyone would drive unprotected.