Hawaii laws require all drivers to carry minimum amounts of liability auto insurance on their vehicle at all times. Third party liability coverage with bodily injury and property damage coverage amounts of 20/40/10. Drivers must also obtain PIP coverage with the minimum amount of $10,000. These amounts are the most the auto insurance company is willing to pay out in the event of an at-fault accident. Failure to comply with these state laws can result in penalties that can include fines, jail time, and the suspension of your vehicle registration and drivers license.
Other types of coverage can also be purchased at your choice to offer better protection for you. Collision coverage is a popular choice for consumers, and protects your personal vehicle in the event of an accident. Uninsured motorist is another popular choice, covering expenses related to an accident with a motorist who does not have auto insurance or adequate coverage.
Auto insurance rates are highly competitive, and rates can vary greatly between companies. Comparing rates is necessary to ensure you are getting the best coverage at the best price. Free, no obligation quotes are available online at sites such as www.GEICO.com. Geico offers their rates, along with those of their leading competitors, in a few short minutes. Policies can be started online, if you wish. Be sure to ask for discounts; there are plenty waiting, such as those for safe driving, staying accident free, and even starting a policy online.
Another great source for obtaining free quotes is www.esurance.com. Esurance takes 6 minutes or less to complete the process. You will receive quotes from up to 5 of the top companies in your town. Average insurers with Esurance saved $560 on their auto insurance premiums.
The average driver in Hawaii will pay an average of $807 for their auto insurance premium. Keep in mind your rates can be higher or lower depending on several factors including driving record, age, type of vehicle, and even credit score. The company you choose will also play a major role in the price you will pay for auto insurance.
Comparing rates among different Hawaii insurance agencies can save you hundreds of dollars every year. Even if you currently have auto insurance you could be paying to much! Compare rates online at least twice per year to keep your prices low and coverage up to par.