Hawaii Motorcycle Insurance
Whether you live in Oahu, Maui or the Big Island of Hawaii who can think of a more beautiful place to ride a motorcycle than the state of Hawaii? Home to gorgeous beaches, towering volcanoes and blue waters as far as the eye can see Hawaii offers something for everyone, including motorcycle enthusiasts. Whether you enjoy cruising by the beach or the mountain roads, however, the state of Hawaii offers challenges for even the most experienced rider. MotorcycleInsuranceQuotes.com can help ease your mind while you ride by helping you find reliable and affordable Hawaii motorcycle insurance online.
Hawaii Insurance Minimums
Even though Hawaii may seem like a country all its own it is still a state in the United States. Like all other states in the country, Hawaii requires all vehicle owners, including motorcycle owners to have a minimum amount of insurance coverage for their vehicles. Currently, the Hawaii minimum motorcycle insurance coverages include:
- Property Damage Liability - Designed to pay for damages to the property of others, such as their home or vehicle, when you are found to be at fault, the state of Hawaii requires a minimum of $10,000 in property damage liability coverage.
- Bodily Injury Liability - While property damage liability pays fro damages to property, bodily injury liability covers medical expenses and lost wages for injured parties in the other vehicle. Hawaii requires a minimum of $20,000 for a single person and $40,000 for all injured parties on your insurance policy.
In the state of Hawaii insurance companies are also required to offer motorcycle owners additional insurance coverage to pay for medical expenses. This medical expense coverage is up to $10,000 and must include a disability plan. Motorcyclists, however, are not usually offered uninsured motorist coverage in the state of Hawaii.
Motorcycle Helmet Laws in Hawaii
In the state of Hawaii all riders under the age of 18 are required by law to wear a motorcycle helmet. This law does include all passengers under the age of 18 as well. Hawaii does, however, require all motorcycle riders, regardless of age to wear protective eye gear - whether it is safety glasses, a face shield or goggles if the motorcycle does not have a protective windshield.
Hawaii Motorcycle License Requirements
The state of Hawaii is fairly lenient on their requirements for a motorcycle license. To obtain a license if you are over the age of 18 you must simply pass the required tests which include vision, sign and road marking identification, a written exam and a thorough road skills test.
If you have obtained you Hawaii motorcycle license and are ready to hit the road on your new motorcycle don't forget your Hawaii motorcycle insurance policy. MotorcycleInsuranceQuotes.com makes obtaining the policy easier than ever before. Just fill out the questionnaire and let us bring you multiple low-cost motorcycle insurance quotes. Then you simply choose the policy that's right for you.