Frequently Asked Questions

The answer applies to all Hawaiian counties.

If you are a driver in Hawaii with a nationally recognized auto insurance coverage and your auto insurance company has branches out of state, you can easily transfer your car insurance from one state to another. However, if your auto insurance company is only locally recognized and it does not have branches out of state, then you will have to find a newauto insuranceprovider upon arriving in Hawaii and prior to registering your motor vehicle.

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The answer applies to all Hawaiian counties.

If you are a driver in Hawaii and you plan to move to another state, you may or may not be required to cancel your current car insurance depending on whether your insurance provider offers services nationwide. If the insurance company you are insured byhas branches out of state, you will only be required to notify your auto insurance company of your move and provide a new address for their records. However, it might happen that your auto insurance company is local to Hawaii and does not have out-of-state branches. If that is the case, you will have to find a new company in the state where you plan to move.

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The answer applies to all Hawaiian counties.

Drivers of motor vehicles in any of the four counties in Hawaii are required by a state law to have minimum liability auto insurance in order to own and operate motor vehicles within the state legally. If you choose not to insure your motor vehicles, then you may be subject to the following penalties:

• Fines
• Jail time
• Drivers license suspension
• Car registration suspension

Additionally, drivers in Hawaii found withoutcar insurancewill need to pay a $500 restoration fee and will have to file a Financial Responsibility Insurance Certificate (SR-22 insurance) for three years after the offense is committed.

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The answer applies to all Hawaiian counties.

If you are a motor vehicle operator, who has been involved in an accident in Hawaii, you are required by a state law to report all damages to a county’s local Hawaii DMV office. Residents of Hawaii must report damages of motor vehicles and damages of personal property. If you find yourself in the situation of a car accident, you will need to report all damages to insurance companies as well, in order to get a financial compensation.

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The answer applies to all Hawaiian counties.

In Hawaii, it does not matter whether you are a permanent resident or an out-of-state resident for half the year, you are still required to have a minimum amount of liability auto insurance if you want to own and operate a motor vehicle in the state. As a resident of Hawaii, you need to have car insurance, which consists of:

• Personal Injury Protection (PIP)
• Bodily Injury Liability Insurance
• Property Damage Liability Insurance

For more information: Hawaii Auto Insurance Get a Quote and Save

The answer applies to all Hawaiian counties.

Drivers in Hawaii who own and operate motor vehicles must have a minimum amount of liability car insurance coverage, which includes:

• Personal Injury Protection (PIP): $10,000
• Bodily Injury Liability Insurance of one person: $20,000
• Bodily Injury Liability Insurance of more people: $40,000
• Property Damage Liability Insurance: $10,000

For more information: Hawaii Auto Insurance Get a Quote and Save

The answer applies to all Hawaiian counties.

As an operator of a motor vehicle in any county in Hawaii, you need to show proof of car insurance when registering your car, whenever you are pulled over by a police officer or in the case that you have been involved in a car accident. Your car insurance company issues car insurance ID cards, as they are the most used proof of insurance. You are required to carry it in your vehicle at any time because if you are found driving without it, you may face penalties such as traffic tickets, fines, or be subject to a drivers license suspension.

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The answer applies to all Hawaiian counties.

Drivers in all four counties in Hawaii must be aware of the fact that Hawaii is a no-fault state, which means that in the misfortune of an accident, your Personal injury protection (PIP) insurance will cover the payment for any injuries made on you or on your passengers. Apart from the PIP insurance, any driver in Hawaii is required to have a minimum amount of liability car insurance in order to operate motor vehicles within the state. This required auto insurance includes:

• Personal Injury Protection (PIP)
• Bodily Injury Liability Insurance
• Property Damage Liability Insurance

For more information: Hawaii Auto Insurance Get a Quote and Save

The answer applies to all Hawaiian counties.

Drivers of motor vehicles in any county in Hawaii who decide to operate their vehicles without getting car insurance, run the risk of facing penalties that the driver has committed in the state. Drivers found without any proof of insurance might face the following penalties:

• Possible fines
• Possible jail time
• Suspension of driver’s license and car registration
• Payment for the fee for restoration: $500
• Proof of SR22 insurance for three years

In order to avoid these penalties, you must provide the required minimum amount of liability car insurance.

For more information: Hawaii Auto Insurance Get a Quote and Save

The answer applies to all Hawaiian counties.

The residents in Hawaii are required by a state law to insure all registered motor vehicles in order to be protected in case of a traffic accident. In Hawaii, it is illegal to operate a motor vehicle that is not insured, you are required to have a minimum amount of liability car insurance, which includes:

• Personal Injury Protection (PIP)
• Bodily Injury Liability Insurance of one person
• Bodily Injury Liability Insurance of more people
• Property Damage Liability Insurance

For more information: Hawaii Auto Insurance Get a Quote and Save