Hawaii Motorcycle Insurance

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From the zigzags of Tantalus Mountain to the views of the East Maui loop, Hawaii offers great riding, despite its small size. Of course, the state requires that all drivers have a minimum level of insurance coverage for their motorcycles, same as their autos. Since Hawaii is a ”no-fault” state, you could be held responsible for all medical costs and property damages beyond your insurance limits.

Hawaii Minimum Motorcycle Insurance

Hawaii motorcycle insurance regulations require that owners have a liability policy with minimum coverage limits that include:

  • $20,000 for death or bodily injury to one person
  • $40,000 for death or bodily injury to two or more persons
  • $10,000 for damage or destruction of property

The minimum coverage amounts required by the Aloha State are better than those in some states, but they are only liability protection. That is why you should always carry additional coverage.

  • Collision covers your bike in an accident under nearly every circumstance. It may or may not include uninsured/under-insured coverage.
  • Comprehensive covers items like fire, wind, water, theft, and vandalism. Basically, mishaps that are not the result of a collision.
  • Since Hawaii is a no-fault state, bodily injury coverage is only important because it covers your passenger.

Hawaii Motorcycle Law

It may seen obvious what a motorcycle is, but every state must clearly define one for law enforcement and insurance purposes. Hawaii has a very broad definition of a motorcycle:

”Any two or three-wheeled vehicle with more than five bhp.”

Hawaii Street-Legal Motorcycle Requirements

The Aloha State is a beautiful place to ride. The plethora of rural settings on any of the islands can make you forget all of your worries. Unfortunately, worries forgotten or not, you and your bike must have certain equipment in order to be considered street legal in Hawaii.

  • Eye protection: required unless you have a windscreen in place.
  • Handlebar height: maximum of 15 inches above the seat.
  • Helmet: required for all riders under the age of 18.
  • Mirrors: only one is required.
  • Turn Signals: not required.
  • Passenger Seat/Footrest: both are required if carrying a passenger. Passengers must be age 7 or older.
  • Headlight: required, no requirements for daytime use.
  • Muffler: required and : ”Exhausts can’t be modified, altered, or repaired in such a way that the noise emitted by the vehicle is increased above that emitted by the vehicle as originally equipped from the factory.”
  • Safety Inspection: not required
  • Additional Equipment: all motorcycles must have fenders or mud guards in place front and rear.

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We have created an easy to use tool so that you can get quotes for the Hawaii motorcycle insurance that you need. All you need have to do is enter your rider and motorcycle information and you will receive quotes from reliable companies like Progressive, Geico, Dairyland, and more.

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