Car owners residing in Hawaii is required, by law, to carry auto insurance with these minimum requirements: $20,000 per person/$40,000 per accident of bodily injury liability, $10,000 per accident of property damage liability and $10,000 per person of personal injury protection.
Are you lucky enough to live in the state of Hawaii? Whether you live on Maui, the Big Island, Oahu or Kauai, every driver needs to have some type of car insurance in order to be legal on the roads. Despite the fact that you are in paradise, that does not mean that accidents cannot happen. You could be driving down the road to drop off your kids, get hit by an uninsured motorist, and without the proper coverage, this could become a very financially challenging day. That’s why it is a good idea to spend some time looking for affordable Hawaii car insurance that you can obtain on the island that you reside upon, quotes that may help you save a substantial amount of money on your annual auto insurance premiums. Here are the best types of insurance that you should have if you are driving in Hawaii.
Best Insurance Coverage For Hawaiian Drivers
Let’s say that you have a vehicle that is brand-new, one that you have only owned for several months. The last thing that you want to have happen is damage done that you will have to pay for out-of-pocket. If you are in an accident, one that is not your fault, your insurance will typically pay for the repairs. This is true if you have collision coverage. Personal injury protection is also something that every driver should have because it will cover the medical bills associated with people in the vehicle with you. You might want to consider uninsured or underinsured motorist coverage in case the other driver does not even have liability insurance. However, if your car is paid for, and you don’t try that much, liability insurance might be all that you need. You need to make your choice based upon your driving habits, the type of vehicle that you drive, and the likelihood that you will be on the road a significant amount of time lending credence to the possibility that you may some day be in a significant accident.
Insure.com conducted a study in 2015 that measured the rankings of the 51 states based on average annual car insurance premiums. Hawaii was found to be ranked 34th in the study (with #1 being the most expensive and #51 being the least expensive), making Hawaii one of the states to get affordable insurance for your vehicle in the US.
Best Rates For Hawaii Car Insurance
Due to the small size of the state of Hawaii, you can probably find several companies offering insurance coverage that are just down the street. You can stop by, get a quote from one of the friendly insurance carriers, and with multiple quotes, make your final decision. The Internet makes it much easier to do this as you do not have to take the time to actually sit down with each insurance agent to provide them with your personal info each separate time. By entering in your info once, and hitting the send button, all of the quotes will be sent to you directly to your email. The type of coverage that you choose will always be based upon how much protection you believe that you will need. Whether you choose to get comprehensive and collision, just liability insurance, or you want to add on PIP and uninsured motorist, the decision will be yours. Now that you know how to get low-cost Hawaii car insurance, go ahead and get your quotes today.
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