If there's one state that could aptly be described as paradise, it's Hawaii. However, it has the same traffic problems as any other part of the country. In an effort to keep serious accidents and their repercussions to a minimum, the Aloha State has no-fault insurance laws on the books. As a result, all drivers must have liability insurance in order to legally operate motor vehicles. Before shopping for auto insurance in Hawaii, residents should study up about the minimum requirements that are needed to satisfy the law. It's also helpful to learn about who drives in the state.
People sometimes go right online and request car insurance quotes in Hawaii. While this is certainly one way to find auto insurance, making sense of the quotes is easier when a little research has been performed in advance. Without knowing the basic requirements of the state, for instance, a person could easily get less coverage than he needs. Without being aware of the demographics about those who drive in Hawaii, it's easy to assume that very basis insurance is more than enough. In reality, that's not the case at all.
Who Drives in Hawaii?
According to the United States Census Bureau, the state of Hawaii had an estimated population of 1,392,313 in 2012. Of that number, the Federal Highway Administration reports that 911,660 people, or 65.5 percent of the population, were licensed to operate motor vehicles as of November 2012. Although insurance companies don't take gender into consideration when calculating premiums, it should be noted that 476,751 people, or 52.2 percent of all licensed drivers, were male. Another 434,909 people, or 47.71 percent of all licensed drivers, were female.
The Federal Highway Administration also reports that 663 out of every 1,000 residents is licensed to drive. 826 of every 1,000 people who are at or above the legal driving age are licensed to drive. Therefore, a significant percentage of the population is legally allowed to drive but doesn't for one reason or another. Age is a big factor for insurance companies. 26,401 people, or 2.9 percent of all licensed drivers, are aged 19 and below. Demographically, the largest group of licensed drivers consists of people between the ages of 50 and 54. 89,271 people, or 9.8 percent of all licensed drivers, call into that group.
Auto Insurance Requirements in Hawaii
In certain states, drivers can maintain proof of financial responsibility in a number of different ways. That's not the way it works in Hawaii, where the only way to show proof of financial responsibility is by maintaining liability car insurance coverage. Hawaii is a no-fault insurance state, and all drivers must have liability coverage. This law is in place to ensure that no one is left destitute after a car accident and to prevent responsible parties from running away from their debts following an accident.
All drivers must have car insurance in Hawaii, and it must meet certain minimum requirements. At the very least, an auto insurance policy in Hawaii must include:
- At least $20,000 in bodily injury coverage for one person
- At least $40,000 in bodily injury coverage for two or more people
- At least $10,000 in property damage coverage
- At least $10,000 in personal injury protection coverage
Although they are optional, underinsured motorist coverage and uninsured motorist coverage is strongly recommended. In both cases, the minimums are $20,000 for one person and $40,000 for two or more people.
Drivers who are caught operating motor vehicles without proof of insurance receive citations and are fined. As long as they present proof of coverage within a certain period of time, that is the end of that. However, drivers who have no coverage at all must hand over their registration and license plates. They also have to pay fines. They do not receive their plates or registration again until they are able to show proof of liability auto insurance coverage.
Car insurance quotes in Hawaii are free and easy to collect. and collecting them is a great first step in finding affordable, high-quality coverage.