Unbiased Motorcycle Insurance Company Reviews

Comparing Motorcycle insurance quotes from top companies online is a great way to find the cheapest insurance rates. After all, why ride all around town when you can get Motorcycle insurance quotes online? The more quotes you get, the more chances you have to save and ride. Get started now!

Enter Your Zip Code
To Get Your Free Quote Now!

Hawaii Motorcycle Insurance Requirements

Hawaii Motorcycle Insurance Requirements

Hawaii is a state that is located in the central Pacific Ocean and is the northernmost island group in Polynesia. It is the only state within the U.S. that is made up completely of a grouping of islands. Residents of Hawaii love its breathtaking scenery, wildlife, tropical climate, active volcanoes and top notch beaches. It is a very popular vacation destination and a large part of its economy is related to tourism. It is among the smallest states in terms of area and is the only U.S. state that is not located in the Americas.

The economy in Hawaii is mostly geared towards: the harvesting of pineapples, sugarcane, sandalwood; military; whaling; education; and tourism. The official nickname for Hawaii is “The Aloha State,” but it has also been referred to as “Paradise” by many. So what if you have a motorcycle and plan on cruising through the public roadways? Before you take your motorcycle for a spin and checking out some beautiful scenery, you need to first get insured.

Hawaii Motorcycle Insurance Requirements

As in any state, you must meet the minimal requirements before operating your motorcycle. In the state of Hawaii, you can buy liability coverage from a licensed insurer. It is their job to help you determine whether your policy is providing enough insurance to legally ride.

How to Establish Financial Responsibility in Hawaii

In many states you have different options to show that you are financially responsible. Proving that you are financially responsible shows that you have finances to cover any damages that you may cause in the event of an accident. Your only legal option to prove responsibility in Hawaii is to buy liability coverage.

  • Buy liability insurance – Go to a state-licensed insurer and purchase a liability insurance policy that meets state requirements.  Keep proof with you at all times while driving.

Motorcycles / Two-Wheeled Vehicles Defined

Below are various definitions for 2-wheeled vehicles in the state of Hawaii.  It is important to understand the classification of your vehicle before you drive so that you know which rules and regulations to follow.  Most people know what type of 2-wheeled vehicle they own, but if you are confused, read below for additional information.

Motorcycles: Every motor vehicle that has a seat or saddle for use of the rider that is designed to travel on not more than 3 wheels in contact with the ground. These exclude: ATVs, tractors, antique motor vehicles and mopeds. These also have more than 5 horsepower.

Motor Scooter: These include all motorcycles with motors that produce less than 5 horsepower. These exclude tractors, antiques, and mopeds.

Mopeds: These are essentially bicycles that have an attached motor with 2 horsepower or less. These do NOT require insurance in Hawaii.

Note: Insurance is required for both Motorcycles and Motor Scooters in Hawaii.

Hawaii Motorcycle Insurance Minimum Requirements

Below are the basic liability requirements that you need before you cruse through the roadways in the state of Hawaii. These must be purchased after you have officially obtained a license to operate your motorcycle or scooter.

Liability Insurance:

  • $20,000 bodily injury per person

  • $40,000 bodily injury per accident

  • $10,000 property damage per accident

Keep in mind that the above amounts of coverage are the minimums. This means that you could increase your coverage limits if it would make you feel more secure. Usually additional coverage will be recommended by your insurer to help best preserve your personal finances. If you get in an accident and have a minimal policy, you may end up paying a significant portion of money out of pocket. To avoid this scenario, increase your limits.

Hawaii Laws: Safety & Licensing Requirements

  • Helmets – You are required to wear a helmet if you are under the age of 18 – regardless of whether you are a driver or passenger. If you are over 18, you may get an additional discount on your coverage for wearing a helmet at all times while on your motorcycle.
  • Eye Protection – You are required to wear eyewear unless your motorcycle has a windscreen that will protect your vision. It is a smart idea to always keep some sort of safety goggles around for when you plan on riding.
  • Class 2 License – In the state of Hawaii, all drivers under the age of 18 need to complete a program with 3 tiers in order to obtain a driver’s license (Class 3). Once you have obtained a standard driver’s license, you will need to complete additional testing to obtain your Class 2 permit.

Proof of Insurance in HI

Whenever you are driving, you need to make sure that you have proof of insurance on hand. This means you could put your insurance identification card in your wallet or in a compartment on your motorcycle. If you get pulled over by a police officer or are involved in an accident, you are expected to show your proof of coverage.

  • Insurance ID Card – This contains your insurance policy number and information regarding your policy. An officer can check it to make sure that you have met the legal requirements in Hawaii.

Penalty for Lack of Insurance

If you attempt to ride your motorcycle without insurance or carrying proof of coverage, you could get into serious trouble. If you are caught, you could be issued fines, suspensions, and may lose your registration. Nobody wants to deal with citations or get into legal trouble, so your best bet is to just get coverage.

  • Citations – If you are caught without insurance, a police officer will issue you a citation that must be paid. This will go on your driving record and will not be a good look.
  • Suspension of Registration – You may get your motorcycle registration suspended and have to turn in your license.
  • Reinstatement Fees – Once you have paid all your citations and waited through the complete suspension period, you will have to pay fees to get your registration reinstated.

Hawaii Motorcycle Insurance Companies

Although Hawaii is a relatively small state, there are still plenty of companies willing to help you get the insurance coverage you need for your motorcycle. In order to compare the best insurance providers in your area, enter your Zip Code in the form below (or at the top of the page) and click “Start!” A list of companies will be automatically generated based on the city in which you live. From the companies that are shown, all you need to do is gather some quotes and determine which company is offering the best coverage for your money. If you aren’t sure about a certain provider, read some of the company reviews throughout this website.

Leave a Comment

Your email address will not be published. Required fields are marked *

Choose a Rating