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Hawaii Car Insurance

“Drive with aloha” and know that when it comes to helping you get back on the road for less, Good2Go Insurance, Inc. is here for you and your ohana.

If you happen to get into an accident without the proper car insurance, you can face hefty fines, a license suspension, and even jail time.

Hawaii Penalties for Driving Without Car Insurance

In the state of Hawaii, it is illegal to drive any motor vehicle without proof of insurance or financial responsibility. The driver must maintain proof of continuous insurance throughout the registration period. The penalties for driving without car insurance in Hawaii include

• Fines of $500-$1,500
• Driver’s license suspension for a minimum of three months if it is your first conviction and one year for subsequent violations
• Impoundment of vehicle
• Jail time.

Hawaii Car Insurance Laws

According to the Hawaii Motor Vehicle and Licensing Division, Hawaii‘s car insurance laws require all drivers to present proof of liability insurance when they register their vehicle. Hawaii vehicle owners with cars registered in their name must be able to certify that they have insurance and that it meets state minimum requirements for:

• $20,000 bodily injury per person per accident
• $40,000 bodily injury for all persons per accident
• $10,000 property damage liability
• $10,000 personal injury protection

Hawaii DUI/DWI Laws and Penalties

Hawaii DUI laws state that drivers with a Blood Alcohol Concentration (BAC) of 0.08 or more are driving under the influence. Hawaii DUI laws also prohibit driving under the influence of controlled substances such as marijuana, cocaine or inhalants. If you are pulled over for drunk driving in Hawaii and refuse to take a chemical test, you will be subject to automatic license suspension for a first offense for up to one year. Penalties for a DUI first offense range from fines of $150 to $1,000 and a 90-day license suspension.

Hawaii Cell Phone Driving Laws and Texting While Driving Laws

The state of Hawaii bans “hands on” cell phone use for all drivers. The updated law does allow for the use of hands-free devices by drivers who are at least 18. Drivers under the age of 18 are prohibited from using any type of mobile electronic devices, including hands-free ones.Violators can be fined $250. Text messaging is prohibited while driving in Hawaii.

Hawaii SR-22 Insurance Documents

Hawaii SR-22 insurance documents are required for drivers who have been convicted of driving without auto insurance. An SR-22 form may need to be filed for three years with the Licensing Division, showing proof of financial responsibility. This filing is usually required after the suspension of your driving privileges has been lifted. Your insurer can electronically file SR-22 insurance documents to the state of Hawaii for drivers that are required to keep and show valid auto liability insurance.