Hawaii Car Insurance Requirements, Laws and Coverage
Hawaii is the state where penalty charge is as high as $1000.00 for non compliance to US law for vehicles to be insured and registered. This fine is only for the first offense and a penalty of $3,000.00 on the third offense. However, the state of Hawaii also includes optional coverage for the protection of both the residents and the tourists all over this tropical state. Optional coverage according to Hawaii insurance policy includes other than collision (OTC), theft, fire and earthquake and comprehensive coverage for the vehicle involved.
Like other states in the mainland, Hawaii law also states that car or vehicle insurance is mandatory as preparation and financial coverage when accidents do happen. This is strictly implemented all over USA so that car owners will not take for granted the importance of having your car insured and registered.
Lenient as the state of Hawaii may be but the department of motors and vehicles in this Polynesian state is strict when it comes to proof of insurance and legal IDs. Furthermore, vehicles and automobiles are inspected thoroughly to size up the risk of the vehicle. This procedure is not only done when applying for insurance but it is also done upon registration of your vehicle.
Before having your car or automobile insured, you may check car insurance quotes online and even register or apply for insurance through the internet to minimize costs or to simply learn about the quotes available for your car insurance. Remember that insurance quotes differ from city to city, so you’d better check it out online or with the help of an insurance agent who can explain to you the necessary requirements you must complete depending where you live. Typically, Hawaii’s lowest insurance rate is 20/40/10 which means that a driver is required to have a policy that has $20,000 to $40,000 for bodily injury coverage and $10,000 for personal injury liability and property damage. Remember that when you are looking for the right insurance policy for your car needs, the policy you need to select must be flexible enough and can cover the damages caused by the accident. Don’t look for too low insurance costs because you might end up paying more than what you bargained for.
Hawaii Department of Insurance
- King Kalakaua Building
- 335 Merchant Street, Rm. 213
- Honolulu, Hawaii 96813
- Phone: (808) 586-2790
- Fax: (808) 586-2806
Hawaii Department of Transportation
- Aliiaimoku Building
- 869 Punchbowl Street
- Honolulu, HI 96813
- Phone: (808) 587-2150
- Fax: (808) 587-2167
Hawaii Motor Vehicle and Licensing Division
Hawaii does not have a statewide Department of Motor Vehicles. Instead, each county has a system of vehicle registration offices that conduct similar business.
- Driver Licensing: (808) 532-7700
- Title/Registration (Satellite City Hall Office): (808) 527-6695