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Cheapest Car Insurance in Hawaii (HI)

The newest member to the United States is the world-famous Hawaii. “The Aloha State” is made up entirely of islands and hosts some of the world’s premier surfing championships. A Pacific paradise, Hawaii’s tourism is the booming business on the islands, and the residents welcome visitors like family. Although the big island is 4,000 square miles, not all of it is as driveable as one might think. In fact, driving in Hawaii can be a challenge, and that’s why CheapCarInsurance.net has provided this article about Hawaii’s car insurance facts. This list can help keep driver’s protected in paradise.

Average Car Insurance Premiums

According to census.gov, Hawaii’s premiums have jumped back above the national average. On the other hand, the state’s average premiums as a percentage of income have reached a near-historic low of 1.33 percent.

Drunk Driving Fatalities

The National Highway Traffic Safety Administration has recorded Hawaii’s drunk driving fatalities at 10 percent above the national average. Although this is relatively high, it shows improvement over the previous year which was at 15 percent above the national average.

Vehicular Theft in Hawaii

Hawaii’s vehicle theft dropped from over 324 in 2011 to below 260 in 2012, according to the FBI. A downward trend is evident; however, Hawaii is still far above the national average.

With constant volcanic activity throughout the Hawaiian Islands, the landscape is always changing. Car insurance laws and regulations seem to be in a state of constant change as well, and to help with this change, here are some of the most important facts regarding Hawaii’s car insurance information.

Minimum Requirements for Car Insurance in Hawaii

  • The Hawaii Department of Commerce and Consumer Affairs (DCCA) states that liability coverage is mandatory for all vehicles operated in the state.
  • Liability Coverage minimums:
    • $20,000 coverage for an accident involving a single bodily injury or death.
    • $40,000 coverage for an accident involving multiple bodily injuries or deaths.
    • $10,000 for property damage coverage.
    • $20,000 coverage for personal injury.
  • Failing to comply with Hawaii’s car insurance requirements can result in a citation and fines.

New Driver Licensing Requirements

  • The Hawaii Department of Driver Services (DDS) requires every driver who operates a vehicle in the state to be licensed within 30 days of residency. For additional information regarding this section, refer to the Hawaii Driver’s Manual.
  • Applicants ages 15 1/2 and over may obtain an Instructional Permit in order to allow them to learn how to drive. Applicants under the age of 18 must provide their parent’s or legal guardian’s signature on the application, and several restriction apply to the Instructional Permit:
    • Must pass the vision and knowledge tests
    • Must be accompanies by a licensed driver age 21 or older at all times
    • The applicant’s parent(s) must accompany him/her when driving between the hours of 11 pm and 5 am.
    • All occupants must wear safety belts.
  • After possessing the Instructional Permit for 180 days, an applicant of at least 16 years of age may apply for a Provisional License. To obtain a provisional license, two requirements must be met:
    • Complete an approved driver education course and provide the necessary certifications.
    • Pass the road skills test.
  • Once an applicant receives the provisional license, he/she may drive between 11 pm and 5 am only if accompanied by a licensed driver.
  • All new applicants must hold a provisional license for six months prior to applying for a regular license regardless of age. Exceptions for this rule can be found at the Hawaii County website.
  • Drivers who have successfully completed the preceding steps or who are over 18 years of age may obtain a regular Class C drivers license by completing the vision, knowledge and driving exams and paying the correct fees.
  • Vision Exam. All driver applicants must have thier vision tested to ensure they have a visual accuity of 20/40 with or without corrective lenses.
  • Written Test. The written test consists of 30 multiple choice questions from the Hawaii Driver’s Manual. Information and practice tests can be accessed on the Hiwaii DOT website.
  • Road Skills Test. Hawaii administers the road test at select offices. For a list of offices, hours and locations, visit the Hawaii Finance Division website.
  • Fees. All applicants must pay a $1 application fee, a $1 written test fee and a $10 road test fee. A provisional license has a $5 fee, and an instructional permit has a $10 fee. Regular dirvers license fees vary by the length of validity:
    • 1 year, $5
    • 2 years (Age 72 and over), $10
    • 4 years (Age 18 – 24), $20
    • 8 years (Age 25 – 71), $40

DUI/DWI Laws

  • BAC limit: .08 Hawaii law stipulates the penalties for a DUI conviction:
  • First Offense:
    • 14 hours of DUI School
    • 1 year license revocation
    • Ignition Interlock Device installed for the duration of the revocation
    • 72 hours of community service, and/or
    • 48 hours minimum and 5 days maximum imprisonment, and/or
    • Minimum $150 and maximum $1,000 fine
  • Second Offense within 5 Years:
    • License revocation for minimum 18 months and maximum 2 years
    • Ignition Interlock Device installed for the duration of the revocation
    • Minimum 240 hours of community service, or
    • Minimum 5 days and maximum 30 days imprisonment
    • Minimum $500 and maximum $1,500 fine
    • Surcharge of $25 paid to the Neurotrama Special Fund
    • Possible surcharge of $50 to the Trauma System Special Fund
  • Third Offense within 5 Years:
    • 2 Year license revocation
    • Ignition Interlock Device installed for the duration of the revocation
    • Minimum 10 days and maximum 30 days imprisonment
    • Minimum $500 and maximum $2,500 fine
    • Surcharge of $25 paid to the Neurotrama Special Fund
    • Possible surcharge of $50 to the Trauma System Special Fund

Texting & Driving Laws

In Hawaii, all drivers are banned from handheld devices and texting. Distraction.gov also states that Hawaii has banned all cell phone use for novice drivers.

Unique Laws

With a history as rich as that of Hawaii’s, ancient laws and modern laws do not always appear modernly applicable. One such law forbids men of a certain tribe to eat their second wives. Another such law, possibly dating from the 15th century, states that it is unlawful to sink the islands. It is unlawful to annoy any bird within the limits of a public park. And, one may ask what is the reason bilboards are not seen while driving around the islands? They are outlawed!

State Department of Insurance

Hawaii Department of Commerce and Consumer Affairs: Insurance
King Kalakaua Building
335 Merchant Street, Rm. 213
Honolulu, Hawaii 96813
(808) 586-2790
(808) 586-2799
cca.hawaii.gov/ins
Get Directions

Department of Transportation

Hawaii Department of Transportation
Aliiaimoku Building
869 Punchbowl Street
Honolulu, HI 96813
(808) 587-2150
hidot.hawaii.gov
Get Directions

Department of Motor Vehicles

Hawaii Department of Driver Services
2206 East View Parkway
Conyers, Hawaii 30013
(678) 413-8400
(678) 413-8500
(678) 413-8600
www.dds.ga.gov
Get Directions

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  • Janice
  • $480
  • Jul 15, 2014
  • Wanda
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  • Jul 1, 2014
  • Dana
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  • Jun 30, 2014
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  • Jun 24, 2014
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  • Jun 18, 2014
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  • Jun 6, 2014
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  • Jun 5, 2014
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  • May 29, 2014
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  • May 5, 2014
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  • Apr 26, 2014
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  • Apr 9, 2014
  • Steven
  • $1200
  • Apr 6, 2014
  • Sydney
  • $2400
  • Apr 6, 2014
  • Teddy
  • $1200
  • Apr 5, 2014
  • Shyte
  • $660
  • Apr 1, 2014
  • Janna
  • $1200
  • Apr 1, 2014
  • Bre-on
  • $400
  • Mar 31, 2014
  • Vita
  • $1200
  • Mar 30, 2014
  • Curtis
  • $2400
  • Mar 28, 2014
  • Clinton
  • $400
  • Mar 25, 2014
  • Janelle
  • $1800
  • Mar 25, 2014
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  • $1000
  • Mar 21, 2014
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  • $1000
  • Mar 20, 2014
  • Edmund
  • $1200
  • Mar 18, 2014
  • Dashawn
  • $1100
  • Mar 18, 2014
  • Summer
  • $2016
  • Mar 15, 2014
  • Hashem
  • $1000
  • Mar 14, 2014
  • Margaret
  • $2400
  • Mar 14, 2014
  • Jacqueline
  • $2400
  • Mar 14, 2014
  • Jessica
  • $1200
  • Mar 13, 2014
  • Sofrona
  • $400
  • Mar 13, 2014
  • Angela
  • $1200
  • Mar 12, 2014

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