MCB Hawaii Community
Insuring Your Vehicle in Hawaii
The following steps will help guide you in obtaining insurance in Hawaii. First, you will need to purchase an auto insurance policy provided by a Hawaii carrier. Out-of-state auto insurance policies are not valid for registering your vehicle in Hawaii. When you are registering your vehicle, you will need to show proof of auto insurance by presenting a Hawaii vehicle identification card (VIC), which should be kept in the vehicle at all times.
An auto insurance policy will cover losses that can result from damages or injuries sustained from an accident. The following is the minimum mandatory auto insurance coverage for all vehicles operated on Hawaii roads:
- Bodily Injury Liability (BI):
$20,000 per person and $40,000 per accident.
- Property Damage Liability (PD):
$10,000 per accident.
- Personal Injury Protection (PIP):
$10,000 per person.
Optional coverage that offers additional protection including uninsured and underinsured motorists coverage and collision are also available.
Once you have purchased a Hawaii auto insurance policy, you can register your vehicle with the state of Hawaii, which must be done within 10 days of arrival.