Want to insure a motorcycle in Hawaii?
Insuring a motorcycle in Hawaii can be costly, so it’s essential to look at current HI motorcycle insurance prices and solutions from an extensive variety of insurers.
We do the research for you, enabling you to compare rates from major insurance companies – without leaving home!
Motorcycle Insurance: Hawaii Laws
First of all, motorcycle insurance is required by law in Hawaii. You may already know, motorcycle liability insurance covers you as a vehicle owner and as a rider if you injure someone or damage someone else’s vehicle or property with your motorcycle.
- Bodily Injury Liability Limit for 1 Individual: 20
- Bodily Injury Liability Limit for All: 40
- Property Damage Liability Limit: 10
Obviously, these liability minimums are in 1000’s of dollars.
HI Motorcycle UM/UIM Coverage
Do you know 13% of Hawaii road users don’t have auto insurance coverage? Riding a motorcycle is a lot more treacherous than getting behind the wheel of a car, and having to worry about so many uninsured motorists brings fiscal risks into the picture. Of course, the bike, including its rider, will suffer a lot of trauma in an accident with a car or truck. Don’t let yourself get stuck with damage payments for which you aren’t responsible – add uninsured motorist (UM/UIM) coverage to your protection plan. This kind of coverage provides for a rider to receive damages for any injury they receive from an uninsured and/or negligent driver.