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All car owners residing in Hawaii need to have their vehicles insured. It is extremely important for you to know what to include in your coverage and how the government can fine and penalize you when you fail to meet these requirements. Here are the most important Hawaii car insurance facts you should know.

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Average cost of car insurance in Hawaii

The National Association of Insurance Commissioners (NAIC) claim that the average person pays roughly $739.26 for car insurance in Hawaii each year.

They broke this figure down to:

$457.09 is the average annual liability insurance expenditure.

$291.89 is the average annual collision insurance expenditure.

$95.18 is the average annual comprehensive insurance expenditure.

Young Drivers in Hawaii

In the Aloha State, how much coverage auto insurance policy holders have can significantly impact their premiums. Our case study found that young drivers here pay a yearly average of:

  • $737.6 for state minimum coverage1,
  • $843.2 for basic full coverage2 and
  • $1824 for premium full coverage3.

Car insurance expenditures also differ depending on which city a young driver resides in. In HI, the two cities offering possibly the cheapest rates, at an average of $23/month for minimum legal coverage, are Koloa and Princeville, with a population of 2,144 and 2,158  (2010, latest data4), respectively.

Female Drivers in Hawaii

Our methodology5 involved using the profile of a 35-year-old female driver. We found that adult women in HI have lower premiums than young drivers. According to the results of our research, female drivers can expect to pay the following averages:

  • $647.2 for state minimum coverage,
  • $680.8 for basic full coverage and
  • $1472.8 for premium full coverage.

Insurers use a wide array of other variables to determine final premiums, including exact location, claims record, and driving history. Based on these factors, your individual quotes may still go up or down.

Senior Drivers in Hawaii

In our case study, we used a male driver aged 68 with 45 years of driving experience. We determined that Hawaii senior drivers with this length of driving experience can expect to pay an average of:

  • $647.2 for state minimum coverage,
  • $680.8 for basic full coverage and
  • $1472.8 for premium full coverage.

Although motorists within the age bracket of 65 years old and above also have lower car auto insurance costs than young drivers, there are still some things they can do to bring it down further. Keeping their driving records clean is one of the best ways to maintain affordable rates.

Minimum car insurance requirements

The insurance law in Hawaii mandates all car owners to purchase liability coverage as well as Personal Injury Protection (PIP) coverage. The former covers expenses associated with injuries or damages in the event you cause an accident.

For liability insurance, drivers should have a minimum coverage of $20,000 per person for bodily injury and a total of $40,000 for bodily injury in the event that more than one person is injured. The state law also requires motorists to carry $10,000 as the minimum coverage for property damage.

There are plenty of other auto insurance coverage options you can purchase in the State. These include collision coverage, comprehensive coverage, uninsured motorist coverage, and underinsured motorist coverage.

Take note that Hawaii falls under the 12 no-fault states in the nation. It is because of this that you automatically have to get PIP. It is not without its benefits though, as this coverage provides you with financial protection, even when you are responsible for causing the accident.

Violations and Penalties 

Failure to comply with the minimum requirements for car insurance will result in you facing penalties and fines. In fact, just forgetting to bring along with you your car insurance identification card will already lead to traffic tickets and fines.

In Hawaii, when authorities catch you driving without insurance, you can expect serious financial consequences. For your first offense, you would have to pay $500. They will also suspend your driver’s license for a period of three months or have you purchase a non-refundable automobile insurance policy with a six-month duration.

For your second offense, you can face a fine of anywhere from $1,500 to $5,000. You will also bear the burden of a suspended license for an entire year or purchase the same six-month non-refundable coverage.

When the authorities catch you driving without the proper insurance coverage for the third time within a five-year duration, you can face imprisonment of up to 30 days. The government will also revoke your registration plates and/or impound (or impound and sell) your vehicle.

The State of Hawaii strictly enforces all its car insurance laws. When you do not have the required minimum coverage, you can expect The Department of Finance to find out about it quickly, as the organization checks all registered vehicles for proper insurance on a monthly basis.

Driving safety in Hawaii

According to the Centers for Disease Control and Prevention (CDC), 93% of motorists and front-seat passengers wear seatbelts in the state. This is higher than the 86% national average.

The National Highway Safety Administration also released a 2015 assessment of fatalities related to alcohol impaired driving. Out of the 94 cases of driving fatalities, 33 incidents, or 35%, are due to alcohol impaired driving.

Another CDC study revealed that the 94 total fatal driving incidents makes the overall vehicle occupant death rate in Hawaii at 4.0 per 100,000 residents.

Final thoughts

As a resident of Hawaii, you should abide by all the laws surrounding car insurance. To better protect yourself and your finances, you should consider purchasing a more extensive insurance policy.

0
licensed drivers in Hawaii, 2014
0
privately insured vehicles in Hawaii

Source: StatistaInsurance Information Institute

1State minimum coverage includes the minimum liability insurance limits required in your state but excludes the following:
  • No Collision and Comprehensive Coverage
  • No Towing Coverage
  • No Rental Car Coverage
  • No Full Glass Coverage
2Basic full coverage includes:
  • $50,000 Bodily Injury Liability Per Person/$100,000 Per Accident
  • $25,000 Property Damage Liability
  • $50,000 Uninsured Motorist Bodily Injury Coverage Per Person/$100,000 Per Accident
  • $25,000 Uninsured Motorist Property Damage Coverage
  • $750 Deductible Collision And Comprehensive Coverage
  • $50 Towing Coverage
  • No Rental Reimbursement Coverage
  • No Full Glass Coverage
3Premium full coverage includes:
  • $250,000 Bodily Injury Liability Per Person / $500,000 Per Accident
  • $100,000 Property Damage Liability
  • $250,000 Uninsured Motorist Bodily Injury Coverage Per Person / $500,000 Per Accident
  • $100,000 Uninsured Motorist Property Damage Coverage
  • $250 Deductible Comprehensive Coverage And No Deductible Collision Coverage
  • $75 Towing Coverage
  • $30/day Rental Reimbursement, Max Of $900
  • Full Glass Coverage
4Latest data: The U.S. census is conducted every 10 years as per requirement of the United States Constitution. The 23rd edition and the latest data is the 2010 United States Census. Source: https://en.wikipedia.org/wiki/2010_United_States_Census
5Methodology: To achieve accurate results we obtained estimates for 10 cities in the state: 5 of the largest cities and 5 randomly picked smaller cities. For each city, we collected premiums for 3 levels of coverage: state minimum coverage, basic full coverage and premium full coverage. We used 3 different driver profiles for the case studies. For the young driver profile we used a 20-year-old single male or female with 1 year driving experience. Second, the profile fit that of a 35-year-old married female with 12 years of driving experience. The last profile we used in our studies is a male senior driver who was 68-year-old with 45 years of driving experience. The vehicle we used for all three driver profiles was a 2012 Honda Accord EX.
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