Why Get Motorcycle Insurance in Hawaii
Many people think motorcycle insurance is a waste of money and just isn’t that important. Nothing could be further from the truth. In fact, to legally operate a motorcycle in the state of Hawaii you MUST carry at least the required minimum amount of liability coverage. This is for your protection as well as for the safety of the general public. Motorcycle insurance offers policyholders financial protection in the event of an accident. But it also covers the owner if the motorcycle is ever lost, stolen or damaged. Motorcycles, by design, are lightweight and relatively small – making them easy targets for thieves and vandals. Having adequate insurance can save you needless worry. It also lessens the risk of a financial disaster if you are ever involved in a serious accident. Motorcycle insurance is a real bargain when you consider the alternatives.
Motorcycle Riding in Hawaii
The State of Hawaii is less stringent than other states with regards to their motorcycle license requirements. All applicants need to be at least 16 years old to request a motorcycle license. Those who are underage need to have parental consent and must hold a type 2 permit before they are eligible to apply. Individuals over 18 years of age do not need to have a permit in order to obtain their motorcycle licenses.
Motorcycle License Requirements
- Identification (Photo ID, Birth Certificate, Social Security card, or Hawaii license)
- Parental Consent (if under 18)
- Permit (if under 18)
- Required to pass the General Knowledge test, Motorcycle Test, Vision and Road Test
Minimum Insurance Requirements in Hawaii
Hawaii is a “no-fault” state. This simply means that no matter who is at fault in an accident, each person is covered by their own individual insurance policy. This system is only applicable to injuries and does not include property damage. Hawaii requires all owners of vehicles to purchase and maintain a minimum amount of liability insurance coverage. These required amounts are:
- $20,000 for bodily injury of one person
- $40,000 for bodily injury of all injured parties
- $10,000 for property damage in one accident
Hawaii Motorcycle-specific Laws
It’s important that all motorcycle operators be aware of Hawaii’s rules and regulations when driving on the state’s highways. Failure to abide by these laws can result in traffic tickets with fines and penalties, possible jail time, and in some cases, suspension of driving privileges. Drivers with numerous tickets and citations can expect to pay much higher rates for insurance. For serious offenders, finding motorcycle insurance can be nearly impossible. Hawaii has in place specific laws designed to protect motorcyclists and passengers. You should be familiar with these regulations and obey them at all times.
- Must wear approved safety helmet (under the age of 18).
- Must wear safety goggles unless motorcycles are equipped with windscreens.
- Passenger seats and footrests are required when carrying a passenger.
- Handlebars higher than 15″ above the seat are prohibited.
- Motorcycles cannot overtake a vehicle in the same lane.
- Two motorcycles can ride abreast in the same lane.
- Lane splitting is not allowed.
It’s a fact that motorcycles are considered to be some of the most vulnerable and dangerous vehicles on the road. That is why it is important for motorcycle owners to have Hawaii motorcycle coverage. Before making a final decision, do some research on insurance options. Compare rates from several companies and be sure to ask about available discounts. Remember that the minimum liability amounts as required by Hawaii state law may not give you adequate protection. Always consider your personal needs and financial situation when deciding on coverage amounts and deductibles. A good policy should give you comprehensive coverage at a price that fits your budget.