Hawaii
Auto Insurance Coverages
There are so many companies offering auto insurance in Hawaii. How do you know if you're choosing the right one? Allstate offers a variety of auto insurance policies, optional insurance coverages and other insurance products designed to meet your needs. And if your auto insurance needs change, your local Allstate agent will take time to help you make the right adjustments. If you have a teen driver, there are other considerations such as HI's Graduated Driver Licensing laws (refer to chart below).
For more information on this state, visit the Hawaii State Information or Hawaii State Catastrophe page.
Hawaii Coverage Scale
Hawaii auto insurance coverage requirements can be different from other states. The chart below provides a good starting point for learning about the Hawaii required auto insurance coverage levels and the most common car insurance coverages to make your choice easier.
|
|
|
|
|
|
Coverage
|
State Requirements
|
Most Common
|
|
Bodily Injury Liability
|
20,000/40,000
|
100,000/300,000
|
|
|
Property Damage Liability
|
10,00
|
50,000
|
|
|
Uninsured Motorist Bodily Injury
|
Not required
|
20,000/40,000
|
|
|
Underinsured Motorist Bodily Injury
|
Not required
|
20,000/40,000
|
|
|
Collision
|
Not required
|
500 deductible
|
|
|
Comprehensive
|
Not required
|
250 deductible
|
|
|
Personal Injury Protection
|
10,000
|
10,000
|
|
Hawaii Graduated Driver Licensing
Graduated Driver Licensing laws have been proven to save teen lives. Review the Hawaii GDL laws with your teen. Use this information to set rules for your teen driver and help protect them on the road.
|
|
|
|
|
|
Insurance Institute for Highway Safety Rating
|
Good
|
|
Minimum Entry Age
(Optimal: 16)
|
15 years, 6 mo
|
|
|
Extended Learner Period
(Optimal: at least 6 months)
|
Has optimal provision
|
|
|
Parent Certification
(Optimal: 30 hours minimal)
|
Has no provision
|
|
|
Night Restriction
(Optimal: 9 or 10 p.m.)
|
Has the provision
|
|
|
Passenger Restriction
(Optimal: only 1 non-family member)
|
Has optimal provision
|
|
|
Minimum Exit Age
(Optimal: 18)
|
17
|
|
Download a Parent-Teen Driving agreement (PDF format) and start talking to your teen driver about safe driving habits. Get more information and learn about teen driving research, facts, tips, driving laws, and teen driving programs.
Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Alaska, California, Florida, Maine, Washington D.C.
Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Hawaii. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.