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Auto Insurance in Hawaii

Hawaii is known as a "no-fault" state, which means that no one is cited for accidents and everyone pays for their own damages with their own insurance. You are required to have special insurance coverage in the state of Hawaii in order to drive legally. This coverage includes:

•     $20,000 injury coverage per person
•     $40,000 injury coverage per accident
•     $10,000 property damage per accident
•     $10,000 personal injury protection

State minimum may not be enough. If you experience a total loss or a major injury or accident, the expenses can add up fast. Before you know it you'll be topping out your insurance limits and find yourself paying $5,000 out-of-pocket for accident expenses that you could have insured for only a few dollars more each month. In addition, you could face legal charges for being under-insured, and that can run into the thousands of dollars, as well.

Shopping around and comparing rates is always the best idea when it comes to auto insurance in Hawaii. There are so many different companies that you may be surprised at what kind of deals you can find on auto insurance. You might even wind up getting more coverage than you intended because of how affordable it is. Don't choose a policy just because it is cheap, though. You need to find a policy, a rate, and a company that meet your needs in order to ensure you've got the best auto insurance in Hawaii.