Though Hawaii is a no-fault insurance state, it requires everyone driving a vehicle to have it adequately insured at all times.

Ways to Establish Financial Responsibility

The state requires all motorists to carry insurance; there are no options of depositing a bond or self-insuring, as there are in other states.

Hawaii Liability Insurance Requirements for Private Passenger Vehicles

You must have a minimum of the following insurance amounts:

• $20,000/40,000 Bodily Injury Liability

• $10,000 Personal Injury Protection

• $10,000 Property Damage Liability

• $20,000/40,000 Underinsured Motorist (optional)

• $20,000/40,000 Uninsured Motorist (optional)

Each of these categories provides coverage for different scenarios; research each insurance category before you begin shopping: bodily injury liability, personal injury protection and property damage liability. Discuss your needs with the insurance agent to make sure you have adequate insurance for your situation. Obtain several quotes before you settle on one.

Proof of Insurance and Financial Responsibility

To prove that you have valid insurance, carry a valid Hawaii auto insurance card in your vehicle at all times. If you are pulled over by a police officer or involved in an accident, you will need the information on the card.

Penalties for Failure to Maintain Financial Responsibility

If you do not have proof of insurance with you in the vehicle; or if your insurance card is expired and you happen to get pulled over, you will be issued a citation and fined.

If you are caught driving without insurance at all, you will be required to give up your plates and registration to your county director of finance. You will not be able to drive the vehicle until you pay any fines and update your insurance.