Hawaii motorcycle insurance

Q: What's the best motorcycle insurance in Hawaii?

One in 3 insured motorcycle riders choose Progressive. ** Whether you ride in Honolulu, Hilo, Pearl City, or anywhere else on the islands, the best motorcycle insurance features dependable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Hawaii for bikers with all of the valuable protection you need to ride with peace of mind.

Hawaii's tropical climate makes it one of the rare states in the U.S. where you can ride year-round. That makes it even more important to find motorcycle insurance that's reliable. Progressive is proud to help bikers throughout Hawaii with personalized protection and a variety of discounts that make motorcycle policies affordable. Find out all you need to know about motorcycle insurance in Hawaii.

4 min to read

Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.

What are the minimum requirements for motorcycle insurance in Hawaii?

Hawaii motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage won't cover damage to your own bike but may pay for injuries and damages you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, in order to more fully protect your assets.

Required coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$20,000 per person $40,000 per accident
Property damage liability	What it coversProperty damage you cause to others in an accident	Minimum amount$10,000 per accident

Do you need comprehensive and collision coverage?

If you're financing or leasing your motorcycle, lenders often require that you carry comprehensive motorcycle coverage and collision motorcycle coverage. If you have paid for your bike in full, these coverages are optional, but they're popular for motorcycle owners who want to protect their bikes against physical damage and loss. Comprehensive coverage may cover events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Hawaii?

In 2023, the annual cost for a Progressive motorcycle insurance policy in Hawaii with liability coverage only was $166.89.^* Many factors influence your price for motorcycle insurance, including your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

Pro tip:

Bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.

What's the best motorcycle insurance in Hawaii?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Honolulu, Hilo, Pearl City, or anywhere else on the islands, the best motorcycle insurance features dependable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Hawaii for bikers with all of the valuable protection you need to ride with peace of mind.

You can decrease the cost of motorcycle insurance in Hawaii with motorcycle insurance discounts, such as:

Multi-policy discount
Honda Riders Club of America (HRCA) association discount
Harley-Davidson Owner Group (HOG) association discount
Safety course discount
Responsible driver discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Hawaii

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

Motorcycle accessory coverage: Can pay for damage to upgrades you've made to your bike and equipment, including chrome pieces, electronics, handlebars, and custom paint and wheels
Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in Hawaii

Hawaii motorcycle law requires any motorcycle operator or passenger under the age of 18 to wear a helmet. Adults are not required to wear a helmet while riding.
Liability insurance is required to legally operate a motorcycle in Hawaii, according to the Hawaii’s Department of Commerce and Consumer Affairs.
Lane splitting is not legal in Hawaii, but in 2018, the state legislature passed a law allowing motorcycles to drive on the shoulder of the road.