Hawaii might not offer all that many square miles of landmass as some states, but motorcycling is nonetheless popular on every island in the state. Surfers like Sonny Garcia have helped to make motocross popular in the state, and there are stellar “twisties” in many corners of the state for sport riding enthusiasts.
Of course, if you want to ride a street bike in the Aloha State, you have to carry insurance on it. Just like auto insurance, motorcycle insurance in Hawaii is mandatory – at least liability coverage.
Minimum Requirements for Liability Coverage in Hawaii
In Hawaii, liability is the mandatory kind of insurance for motorcycles. Liability covers you in financial terms if you are found to be to blame for personal injuries or damages to a third party. Despite the fact that you may not think a motorcycle could result in much damage, you would be surprised. Hawaii has rules outlining the minimum sum of liability coverage you are required to have. More often than not, you might find these liability minimums quoted as three dollar figures, e.g. $20,000/$40,000/$10,000.
- $20,000: bodily injury liability maximum for someone getting injured in an accident
- $40,000: bodily injury liability maximum for all injuries in one accident
- $10,000: property-damage liability maximum for a single accident
Insurance for ORVs
If you frequently ride off-road, you may want to consider dirt bike insurance or ATV insurance, as protecting your investment is always a good idea. ORVs (Off-Road Vehicles) take a pounding on the trail and track, and they are also subject to theft. Many do not require keys to start, and often a trailer of bikes or ATVs is a prime target for theft.