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• HI Auto Insurance

Hawaii Auto Insurance Quote Comparison

Compare Hawaii Auto Insurance

Save money instantly. You’ll be able to switch Hawaiian auto insurance companies after you compare car quotes. Learn what coverage you need to have according to Hawaii state law, and then also consider with optional additional coverage options best fit your needs. At AIP, we’ll provide everything you need to know about Hawaii’s auto insurance laws to compare Hawaii auto insurance company quotes here. You and your family will be happy to be getting a cheaper premium and all of this can be happening online in just a few money. Find out how much you can save.

Hawaii auto insurance law: minimum required auto insurance

How to read car insurance liability limits

Liability amounts are written as three numbers separated by slashes.

• First number: bodily injury liability maximum for
  one person for injuries you caused to the other party
• Second number: bodily injury liability maximum for all injuries in one accident
• Third number: property damage liability maximum for one accident

Hawaii’s Auto Liability System is the "No-Fault System"

A tort system is an auto insurance system that holds the driver who is responsible for causing the accident liable for the victim’s medical and other accident-related expenses, like “loss of wages” and “pain and suffering” compensation. A no-fault system does not require that a person be held responsible for causing an accident and will reimburse a policyholder without proof of fault. A no-fault system will usually restrict the right of a driver to seek compensation through the civil justice system.

Hawaii Requires Personal Injury Protection

Personal injury protection is an extension to auto insurance plans that covers medical and accident-related expenses regardless of who is at fault.

Uninsured/Underinsured: HI does not require uninsured motorist coverage.

An uninsured or underinsured motorist may cost you money if you are the victim of an accident and they either do not have insurance or their insurance is not adequate enough to cover your expenses. In Hawaii, you may choose to purchase uninsured motorist coverage and it is probably smart to do so, but it is not state law that you must. If you have uninsured motorist coverage, then you and your passengers may be able to collect from your own insurance company in the event that the at-fault party does not have adequate insurance coverage.

While these are the minimum required liability limits, it is usually considered a good idea to purchase additional optional coverages (medical, uninsured and underinsured motorist, collision, and comprehensive). The amount of coverage you choose affects your Hawaii auto insurance rates.

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