Hawaii Auto Insurance Quotes

With its distinction as the only completely water-locked state, Hawaii’s tropical abundance is easily seen from the many well traveled roads and thoroughfares that crisscross the island. This central spot for tourists and one million residents is booming with opportunity and industry, and with so much growing traffic in the Aloha state, Hawaii auto insurance quotes are a necessity.

Minimum Requirements

With a 20/40/10 policy, the minimum requirements for a driver’s liability coverage are met. Essentially, every driver must carry $20,000 for one person’s bodily injuries and up to $40,000 for all bodily injuries in an accident. Additionally, property damage liability coverage must meet a minimum requirement of $10,000 and PIP (personal injury protection) coverage to pay medical or funeral expenses of any other injured drivers and passengers in an accident. By consulting your carrier or insurance quote provider, you can get good advice on how much PIP you can get and still be able to save money.

No Fault System

As it is not a tort state, wherein the responsible driver must pay for an accident’s resultant expenses, Hawaii maintains a no-fault system to reduce and discourage auto insurance fraud. Your insurance company is required to pay for your expenses, even if you are found to be at fault.

Penalties

With no central DMV, vehicle registrations are handled on a county-wide level, but this does not mean you can squeak by uninsured. To avoid unnecessary additional fees and penalties for failure to maintain proper auto insurance coverage, make sure you have valid proof of insurance, a requirement to get your inspection sticker. Without the sticker, your registration cannot be renewed!