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Hawaii

Made up of islands, this state was the last to be added to the union. Because of its relatively low population density, the average annual auto insurance premiums are much lower than most states (around $800 according to some sources. That’s not to say you can’t find cheaper rates than that. Residents are encouraged to shop the many options for cheap insurance Hawaii agents can find.

Remember, getting multiple comparison quotes is the best way to ensure you are paying the lowest available rates.

Insurance Facts

Hawaii is a “no-fault” insurance state, meaning that insurance companies must pay for any personal injuries accrued up to the personal injury protection benefits limit, and that the driver may not be sued for recovery unless there are serious injuries. This protection only applies to personal injuries, not to property or vehicle damage.

Insurance premium rates vary widely based on which island the car is registered in, what company the insurance is bought from, and how the cleanliness of a driver’s record. A chart comparing 2011 statewide car insurance rates may be found here.

State Car Insurance Requirements

  • Mandatory minimum bodily injury coverage in Hawaii is $20,000 per person and $40,000 per accident.
  • Mandatory minimum property damage coverage in Hawaii is $10,000 per occurrence.

Did you know?

  • Despite having no physical connection to any other states, Hawaii has 3 interstate highways (H-1, H-2 and H-3); interstate highways are named by the federal government’s building system and don’t necessarily connect with other states.
  • Hawaii had over 42,000 property crimes in 2012, according to FBI data
  • Roughly 11% of motorists on the islands are driving without insurance, making UM coverage worth considering.

Teen drivers in the state participate in a graduated licensing program consisting of an instructional permit, provisional license to full license which has proved successful.

Helpful Resources

DMV website

Hawaii does not have a statewide Department of Motor Vehicles. Each island, or county, operates independently of the others. A full listing of county motor vehicle departments may be found here.

Registration Information

Registration procedures vary depending which island you want to use as your registration point. The islands of Hawai’I, Maui, Kaua’I, and O’ahu all have separate operations.

Vehicles shipped to Hawaii from the outside require a Bill of Lading, or import document for registration.


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