Hawaii Car Insurance

Car Insurance Coverage In Hawaii: Knowing The Basics

Whether you're driving to the summit of Mauna Loa or to a hidden gem like Makalawena Beach on the Big Island, you're going to need car insurance. As the largest auto insurer in Hawaii, GEICO has you covered. So whether you're buying a new car, getting a quote or just looking to switch to GEICO, we've got the information you need to make the right decision. And don't forget, you can get a Hawaii car insurance quote online or call us at (800) 947-AUTO (2886) anytime.

Required Insurance Coverage In The State Of Hawaii

The following minimum limits of coverage are required of all drivers for the legal operation of an automobile in the state of Hawaii:

  • Bodily Injury Liability Coverage: $20,000 per person and $40,000 per accident
  • Basic Personal Injury Protection: $10,000
  • Property Damage liability Coverage: $10,000
  • Uninsured/Underinsured Motorist: $20,000 per person and $40,000 per accident*

*Uninsured/Underinsured motorist coverages can be rejected in writing.

Driving In Hawaii

As you might expect, driving in Hawaii can be much different from driving in other U.S. states. Luckily, Hawaii's Department of Transportation offers the Hawaii Driver's Manual, one of the most exhaustive guides to driving of any state. In it, Hawaiians can find information on licensing laws, traffic rules, and even suggestions for safe driving.

What Parents Should Know Regarding Teen Driving In Hawaii

Hawaii makes use of a graduated licensing system. Six months after a teen's 15th birthday, they may apply for a learner's permit. They must be accompanied by a licensed driver over the age of 21 when practicing, or a parent or guardian if driving between the hours of 11:00 PM and 5:00 AM. Between the ages of 16 and 18, a teen may apply for a provisional license. A teen with a provisional license cannot transport more than one passenger under the age of 18, and cannot drive between 11:00 PM and 5:00 AM. Teens can receive a full license at age 17 if all conditions of the provisional license have been met.

Note that moving violations or at-fault accidents for drivers under age 18 may lead to remedial restrictions including passenger limits, night-driving limits, or suspension of driving privileges.