Hawaii is a no-fault state, which means that each driver is responsible for their own medical expenditures, as well as the expenses of their passengers, up to the limits of their PIP coverage. In Hawaii, minimum auto insurance coverage requires you to have a PIP of at least $10,000. PIP coverage pays for medical expenses incurred by you and your passengers in the event of an accident, regardless of fault. In the event of high medical bills, major injury, or death resulting from an auto accident, drivers can still file a lawsuit.
Other coverages that you may want to opt for include rental car reimbursement, roadside assistance, uninsured/underinsured motorist bodily injury, and uninsured motorist property damage. The latter two will compensate you if the driver that caused the accident does not have insurance coverage or at least not enough coverage to cover the damage caused. These coverages step in when the at-fault driver is unable to pay for damages and medical bills that you may incur after the accident.
What to remember when driving in Maine
Hawaii’s lower than average car insurance rates are well and good. But finding the best car insurance in Hawaii depends on various variables, including customer service ratings, the carrier’s financial stability, and coverage options and costs. To locate the best provider for your needs, gather quotations from several organizations and compare pricing and coverage options.
In the US, the average insurance cost is $573 for basic coverage and $1680 for full coverage each year. The average car insurance rate in Hawaii with minimum coverage is $333 per year.
When registering your car in Hawaii, you must provide proof of insurance. You must show your ID card as well as your policy number. You must also carry the bare minimum of insurance on your policy.
If you are found driving without car insurance in Hawaii, you may face a fine of $500 and community service for 75-100 hours. You could also have your driver’s license suspended for up to 3 months.