Like most states, the Aloha State requires you to carry Hawaii car insurance on any vehicle that you own. This is your state's way of protecting your financial interests should you be involved in a car accident while driving. Because the Aloha State is a no fault state, if you are in a car accident you will be responsible for your own damages, no matter who is at fault. This also means that if you are in an accident, even one caused by another person, your rates are going to increase as well.
Every state has a minimum requirement of coverage for all registered vehicles; however, this minimum is not the same from state to state, so it is important that you know what Hawaii requires of you. In the Aloha State the breakdown is 20/40/10. That means:
- Bodily Injury Liability: $20,000/$40,000
- Property Damage Liability: $10,000
The bodily injury breakdown refers to coverage for a single person (the 20) and for a single accident (the 40). However, you are also required to carry $10,000 worth of personal injury protection (PIP) insurance as well, something that is more common in no-fault states.
This additional coverage is required because, as a no fault state, you are generally not able to sue the person who caused the accident if all of your expenses are not covered by insurance. Living in a no fault insurance state is not all bad, when an accident occurs there is very little debate among insurance companies about whether to pay and this is very good for most consumers.
Hawaii car insurance rates average ($1,494) compared to other states ($1,790 national average), this means that it is easer to get an affordable car insurance policy there.
If you want to purchase affordable car insurance in Hawaii, there are things that you can do to reduce the cost of your car insurance. One way is to get a car insurance rate quote using a free quote tool. Another way is to ensure that you are doing everything possible to get discounts from your current insurance company. Things that an insurance company might give you a discount for are:
- Driving Safely
- Getting a Degree
- Being a Good Student
- Serving in the Military
- Piggyback your Car Policy onto Homeowner's Policy
- Other Multiline Policies
- Improve Your Credit Score by Repairing Errors
- Purchasing a Vehicle with More Safety Features
There are also many more things that you can do to lower your premiums and asking your insurance agent about all of the discounts that they offer will help you to save even more money.
Affordable Hawaii car insurance is easy to find if you take the time to compare rates with multiple companies and take advantage of any discounts your insurance company may have to offer. Keeping yourself safe as you drive in Hawaii should be your main goal, but should the worst happen and an accident occurs, make sure that you are protected by the best car insurance available.
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