Hawaii
State Insurance Requirements
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 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) in your coverage 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.
You can get Uninsured/Under-insured Motorist Bodily Injury coverage to cover bodily injury caused by an uninsured and/or under-insured driver (depending on the state). Hawaii does not require drivers to purchase this coverage, but you should consider purchasing this valuable coverage.
Car Insurance Agents and Companies Found in Towns and Cities of Hawaii:
Honolulu
Northwestern Mutual,
(808)566-5366
Honolulu, HI 96813
Rosten Tsuha,
(808)591-5545
Honolulu, HI 96814
State Farm Insurance,
(808)735-8300
Honolulu, HI 96816
Luby & Associates,
(808)585-0368
Honolulu, HI 96813
Independent Agent,
(808)3721601
Honolulu, HI 96814
Other States
Washington
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