Hawaii Car Insurance Car Insurance Quote in HI
The average auto insurance premium for residents in Hawaii is $1,234 in 2009; the national average is $1,790.
Hawaii Car Insurance
Hawaii state law requires minimum Bodily Injury Liability limits of $20,000 per injured person up to a total of $40,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 20/40/10 coverage.
Hawaii Insurance Coverage:
- Bodily Injury Liability: $20,000/$40,000 Limit
- Property Damage Liability: $10,000 Limit
- Personal Injury Protection or Managed Care (PPO):$10,000 Limit
The state of Hawaii follows a No-Fault system meaning your insurance company will make payments for your injury claims regardless of fault, up to a specified limit. Typically, you lose some of your rights to sue under a No-Fault system. Details of a no-fault system vary from state to state.
Personal Injury Protection (PIP) helps pay for "reasonable and necessary" medical expenses for you and your passengers. Hawaii state law requires a minimum Personal Injury Protection coverage of $10,000.
