Would you like to insure a new car or truck? If so, you have come to the right place. We have partnered with the biggest auto insurance providers – issuers such as GEICO, Progressive, Nationwide, and many others – to help you to compare auto insurance rates – on the web. Getting Hawaii auto insurance quotes on the web from a considerable selection of insurance carriers is a surefire way to ensure you aren’t overpaying when it comes to your monthly premiums. After you look at policies, rates, and discounts from various companies, you can make an educated decision about which policy is best-suited for you and your loved ones.
Car Insurance Requirements in Hawaii
If you live in Hawaii, you are required to get an auto insurance policy. Hawaii has policies mandating the degree of max liability you must possess. Usually, you will see these guidelines stated as 3 usd figures, along the lines of $20,000/$40,000/$10,000.
- $20,000: bodily injury liability maximum for anyone injured in an accident
- $40,000: bodily injury liability maximum for injuries to all persons in one crash
- $10,000: property-damage liability maximum for one accident
Hawaii: No-Fault State?
Hawaii is one of the dozen no fault insurance states in the US. In a no fault state, a car insurance policy must pay the medical expenses of you and your passengers, even if you are not at fault in the crash. No-fault auto insurance laws are intended to limit insurance fraud.
Hawaii Uninsured Motorist Laws
In Hawaii, uninsured motorist coverage is required. Uninsured motorist protection, often referred to as UM/UIM coverage, provides protection in the event that the insured is involved in an accident where the other party is to blame, but does not have insurance.
Lots of insurance brokers recommend that you get uninsured motorist insurance, no matter if it’s required in your state. This is because close to three in 20 American drivers do not have auto insurance coverage.