Hawaii’s Auto Insurance Rates Hawaii is one of the craziest places for people to drive in, as it is already a small land mass, so not much road space for as many cars Hawaii has on island. On top of that, many of the roads are under construction due to many pot holes and damaged driving surfaces. Hawaii traffic can be hectic as well and causes frustration from folks that are tired from a long hard day at work or the people who are impatient. Many accidents happen daily as people are in a rush and hate sitting in traffic or they are tired and driving carelessly. Surprisingly, Hawaii has one of the least auto insurance rates compared to New York, Michigan, and Nevada. Reason for the rates to be lower is due to the requirements of the state, the accidents statistics, and who you add on to your auto insurance policy plan. …show more content…
Some of the reasons are that some states require certain things from auto insurance companies. As Kristof (2012) states “Michigan law requires that every auto insurance policy provides unlimited personal injury protection”. Here you can see why Michigan has one of the most expensive auto insurance policy rates, as the states requirement interferes with how much auto insurance cost in Michigan. For people who does not like the fact of paying too high of an auto insurance would not want to live in Michigan. In the state of Hawaii, Araujo (2018) states they only require you to have “$20,000 bodily injury liability per person, $40,000 bodily injury liability per accident, $10,000 property damage liability per accident, and $10,000 personal injury protection” in your insurance coverage for you to have a vehicle on the road. Having such low coverage is a reason why Hawaii has one of the cheapest car insurance compared to other