Getting cheap car insurance in Hawaii can be difficult, sometimes.  However, nothing is impossible.  Here’s the latest available information on car insurance in Hawaii, along with helpful tips on how to choose the plan that works best for you.

Hawaii Minimum Liability Coverage

The minimum required car insurance coverage in the state of Hawaii is 20/40/10.  This means that a driver must buy at least $20,000 in Personal Injury Protection (PIP) coverage, $40,000 in bodily injury coverage for other people involved in the accident, and $10,000 in coverage for property damage.  However, the minimum requirement in most states often does not cover all of the expenses associated with an accident.  This is why the Insurance Information Institute recommends that drivers nationwide purchase 100/300 coverage ($100,000 in personal injury and $300,000 in bodily injury coverage per accident).

Penalties for Driving Without Insurance in Hawaii

Licensed drivers in the state of Hawaii may neither register their vehicles nor renew their registrations without proof of the required minimum insurance coverage.  In other words, to drive uninsured in Hawaii is also to be driving an unregistered vehicle.  That’s two offenses for the price of one.  The first offense is punishable by a $500 fine and having your license suspended for up to six months.  The penalty for multiple offenses is at least $2,500 in fines per incident, as well as longer license suspensions, higher reinstatement fees and, in some cases, jail time.

Auto Insurance Rates in Hawaii

Despite recent hikes in car insurance premiums, the average premium for the state of Hawaii in May of 2013 was still below the $1,670 national average rate for car insurance.  Contact the Traffic Violations Bureau of Hawaii for information on topics like how long traffic violations remain on driving records, and how driving records affect car insurance premiums.

Low Cost Car Insurance Programs in Hawaii

Hawaii does not offer any particular programs for low-cost car insurance.  However, drivers can lower their premiums and keep them low by maintaining good driving records.  Also, purchasing multiple insurance products sometimes scores a discount.  Always inquire about special deals and discounts with each company you contact for an auto insurance quote.  Compare a lot of free quotes.  Custom-create your own insurance package.  Conduct thorough research to find your lowest possible rate.

Obtaining Auto Insurance Quotes in Hawaii

Based on 2013 comparison studies and customer satisfaction ratings, among the nation’s most popular auto insurance providers are Geico, Auto Owners Insurance, The Hartford, State Farm and 21st Century.  Auto Owners Insurance and The Hartford do not serve Hawaii, but State Farm is there.  Also, 21st Century is a highly regarded car insurance company, in and out of Hawaii.  In fact, Hawaii is home to no less than twenty-five companies that provide auto insurance at competitive rates.  Coincidentally, all of them are glad to assist you.