Hawaii Car and Motorcycle Insurance Law

Required Minimum Bodily Injury Coverage

  • $20,000 per person injured in any one accident and $40,000 for all persons injured in any one accident

Required Minimum Property Damage Coverage

  • $10,000 for injury to or destruction of property of others in any one accident

Optional Insurance Coverage

  • Uninsured (UM) and Underinsured Motorist (UIM) Coverage. If purchased, the coverage must be at least the minimum required for bodily injury liability coverage. If the offer to purchase UM/UIM is rejected, the insurance company has no obligation to explain to the insured that he or she has an option to stack policies and to select UM/UIM in amount up to but not greater than the bodily injury liability coverage purchased.

Special Rules for Motorcycle Owners

  • Insurance companies are required to offer motorcycle owners a medical expense coverage plan to cover medical expenses up to $10,000. They are also required to offer an income disability plan and bodily injury liability coverage in excess of the minimum required. The state requires a $20,000 per person/$40,000 per accident bodily injury liability and a $10,000 per occurrence property damage liability. Insurance companies are not required to offer motorcyclists UM/UIM coverage.
  • Insurance discounts of 15% are available for graduates of rider education programs.

Need more information on state laws? Learn more about the laws where you live.

Note: Our attorneys are licensed to practice law in Pennsylvania, West Virginia, Ohio, Maryland, and Virginia. This information is not intended to solicit clients for matters outside of the states of Pennsylvania, Ohio, West Virginia, Maryland, and Virginia, although if you are injured in an accident, we have relationships with other personal injury attorneys and lawyers throughout the United States.

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