Hawaiian car insurance 101
The rules about Hawaiian car insurance
Interesting facts about Hawaiian car insurance
Conclusion
Hawaiian car insurance 101
Car insurance is required by law in Hawaii just as it is in any other state in the US. It can get expensive too just like any other state. In 2019, car insurance prices in Hawaii ranged between $788 and $1,312 per year depending on which insurance provider was used by a particular driver.
These prices also depend on several key pieces of demographic information such as age, gender, driving history and more. So, for example, if you have a clean driving history and are between the ages of 25 and 65 your rates will be lower than those who do not meet this requirement.
The rules about Hawaiian car insurance
The first thing that you should know about car insurance in Hawaii is that there are minimum coverages required. This includes twenty thousand dollars in bodily injury liability per person, forty thousand dollars in bodily injury liability per crash, and ten thousand dollars in property damage liability per crash.
You are not required to carry other coverages such as Uninsured Motorist insurance. However, you should be consider carrying extra insurance because if damages exceed the insurance limits in an accident, you will be liable to pay them.
You must have car insurance in Hawaii if you plan on doing any driving. There are no exceptions to this law. If you are caught driving without insurance, you could face different penalties including fines, vehicle impoundment and even jail time.
Interesting facts about Hawaiian car insurance
The following are some interesting facts regarding car insurance in Hawaii:
- On average, Hawaii’s car insurance was cheaper than the rest of the United States. – Hawaii actually came in over a hundred dollars cheaper than the rest of the United States when it came to average annual insurance cost. The average annual cost for auto insurance was $1,009 while Hawaii’s average annual auto insurance cost only $873.
- Be sure to comparison shop – Some insurance providers in Hawaii will charge more for the same coverage that another provider is charging a lower monthly price for. So, be sure you take your time and research your options before you commit to one.
- Uninsured and Underinsured Motorist coverage is NOT required in Hawaii – As we mentioned earlier in this post, Hawaii does not require you to have Uninsured or Underinsured motorist coverage. Although, you should consider adding those coverages to your policy because it will help keep you protected in the future.
- The penalty is stiff if you drive without insurance in Hawaii – The first time that you are caught driving without insurance in Hawaii will mean at least a $500 fine. There is also a good chance that you might also have your license suspended for 90 days. If you are caught driving without insurance a second time the fine will increase to over a thousand dollars, your car could be impounded, and you can even face jail time for up to thirty days.
Conclusion
Car insurance is required by law in Hawaii, just as it is in every other state in the Country. It is important to make sure that you are covered before you even consider getting behind the wheel in Hawaii because the penalties for driving without insurance can really cost you in a big way. The price for car insurance is actually pretty reasonable so you will not need to worry about breaking the bank.
