For Car Insurance Best Rates in all U.S. states, visit the link shown below.
This page provides valuable info pertaining to Hawaii auto insurance. Here are the latest available stats on car insurance in the state of Hawaii, along with helpful tips on how to minimize your premiums.
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Despite the recent rise in the cost of auto insurance, the average premium for the state of Hawaii this year was $1,229, a bit lower than the overall national average premium rate, which was $1,365 at the time.
For average car insurance rates in 2018, visit the related link shown below.
Hawaii drivers should consider these numbers when calling around for quotes.
Car insurance in Hawaii is a well enforced law.
Hawaii drivers CANNOT register their vehicles and CANNOT renew their registrations without proof of the required minimum insurance coverage.
So if you drive uninsured in Hawaii, you are also committing the additional crime of driving an unregistered vehicle. The result for first-time offenders is a $500 fine and a 6-month license suspension.
Repeat offenders face at least $2,500 in fines, longer license suspensions, higher reinstatement fees and even jail time.
The minimum car insurance coverage required by Hawaii state law is 20/40/10.
This means that a car owner in Hawaii must purchase $20,000 in Personal Injury Protection (PIP), $40,000 in coverage for death and injuries to other people, and $10,000 to cover the cost of property damage.
As with most states, the minimum required coverage in Hawaii may not cover all the expenses associated with an auto accident.
This is why analysts at the Insurance Information Institute say that all drivers in America should have 100/300 coverage per accident.
drivers can reduce their annual premiums by
maintaining good driving records. Auto Insurance carriers offer a variety of special discounts.
Some drivers score additional discounts by purchasing additional policies like Home, Business, or Life Insurance.
Ask about special deals and discounts any time you speak to an auto insurance agent.
Call several agents in your area, and compare a lot of free quotes. You can also obtain free quotes online.
Based on recent comparison studies, 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 don't cover Hawaii, but State Farm Is There.
Hawaii is home to dozens of auto insurance carriers offering competitive rates. Simply call a few local agents, and don't forget to ask about their discounts.
Then compare quotes and choose the car insurance best rates available to you.
Following these simple steps can save you hundreds of dollars a year in car insurance.
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