Q: What should I do if I’m involved in an accident in Hawaii?

If you’re involved in an accident in Hawaii, it’s essential to first ensure everyone involved is safe and seek medical attention if necessary. Then, exchange insurance information with the other parties involved and document the accident scene by taking photos and obtaining witness statements, if possible. Finally, report the accident to your insurance company as soon as possible to initiate the claims process and receive assistance with any repairs or medical expenses covered by your policy. Avoid expensive auto insurance premiums by entering your ZIP code below to see the cheapest auto insurance in Hawaii for you.

Question 1

Is Hawaii a no-fault auto insurance state?

Accepted Answer

Hawaii is a no-fault car insurance state, meaning you’re responsible for paying your own medical insurance to handle injuries after an accident. To cover medical expenses, drivers must carry $10,000 worth of personal injury protection auto insurance coverage.
Read more: Cheap No-Fault Auto Insurance

Question 2

How much is car insurance in Hawaii?

Accepted Answer

Hawaiians pay about $87 monthly for full coverage auto insurance, while minimum insurance costs about $32. However, rates vary based on factors such as driving profile, location, and demographics, so compare Hawaii car insurance quotes to find the best deal.

Question 3

Can you buy car insurance without a license in Hawaii?

Accepted Answer

While there’s nothing saying you can’t buy a car without a license, it might be a difficult task. Insurance companies don’t often sell policies to people without a license, and you can’t register a car without coverage.
Use our free comparison tool below to see what auto insurance quotes look like in your area

Question 4

Is new car theft insurance required in Hawaii?

Accepted Answer

There isn’t a specific type of insurance called theft coverage, but a comprehensive policy protects against theft. The state of Hawaii does not require comprehensive insurance, but you might need it if you have a car loan or lease.

Question 5

What kind of car insurance do I need in Hawaii?

Accepted Answer

Drivers in Hawaii must carry minimum liability insurance coverage, which includes $20,000 bodily injury liability per person, $40,000 bodily injury liability per accident, and $10,000 property damage liability per accident. Drivers must also carry PIP coverage with minimum limits of $10,000 per person.

Question 6

Where can I purchase auto insurance in Hawaii?

Accepted Answer

Auto insurance can be purchased from various sources in Hawaii. You can contact insurance agents or brokers, visit their offices, or utilize online platforms to obtain quotes and purchase coverage. Many insurance companies also offer the option to purchase insurance directly from their websites or over the phone.

Question 7

Is auto insurance higher in Hawaii?

Accepted Answer

Hawaii auto insurance rates are 27% cheaper than the national average, with monthly rates of $87. To simply meet Hawaii’s auto insurance coverage requirements, you’ll pay about $32.

Question 8

What factors make Hawaii auto insurance rates lower than the national average?

Accepted Answer

There are several factors that affect auto insurance rates. The state has fewer instances of severe weather conditions that can cause accidents or damage to vehicles, resulting in lower claim frequencies. Moreover, Hawaii has a robust no-fault insurance system, which helps in managing and reducing insurance costs by limiting legal disputes and payouts.

Question 9

What are the advantages of choosing a local Hawaii auto insurance provider over a national company?

Accepted Answer

Opting for a local Hawaii auto insurance provider often comes with several advantages. These providers tend to have a deeper understanding of local driving conditions, which can lead to more personalized coverage options. They may also offer better customer service tailored to the needs of Hawaii residents, including faster response times and easier access to claims assistance.

Question 10

What should I do if I&#8217;m involved in an accident in Hawaii?

Accepted Answer

If you&#8217;re involved in an accident in Hawaii, it&#8217;s essential to first ensure everyone involved is safe and seek medical attention if necessary. Then, exchange insurance information with the other parties involved and document the accident scene by taking photos and obtaining witness statements, if possible.
Finally, report the accident to your insurance company as soon as possible to initiate the claims process and receive assistance with any repairs or medical expenses covered by your policy. Avoid expensive auto insurance premiums by entering your ZIP code below to see the cheapest auto insurance in Hawaii for you.

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Best Hawaii Auto Insurance in 2025 (Top 10 Companies Ranked)

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Tag: auto insurance in Hawaii

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Best Hawaii Auto Insurance in 2025 (Top 10 Companies Ranked)

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