YES! Hawaii state law requires all drivers to have a valid motor vehicle insurance policy which satisfies the required State Minimum Liability limits. We cannot rent to drivers without proper insurance.
As of January 2025, Hawaii minimum requirements include the following mandatory coverage:
Your minimum motor vehicle insurance policy must have protection for you and your passengers of $10,000 per person personal injury protection benefits. This is for paying medical and rehabilitative costs.
Your mandatory coverages also include a $20,000 per person/$40,000 per accident bodily injury liability and a $10,000 per occurrence property damage liability. These cover damages for the injured party when you are at-fault in an accident.
Hawaii minimum requirements mandate coverage for yourself in case of injury and to other parties (bodily injury liability) and other property (property damage liability) but does not require any minimum coverage for damages to the rented vehicle itself. To ensure our Speedsters are protected, an RCP (Renter's Collision Protection) policy is included in your rental price and covers collision damage to our cars only (for up to $20,000 wiht a deductible of $250). As far as personal injury protection or thrid party liability coverage, you are responsible for obtaining such coverage.
- US drivers: Your US personal automobile (not corporate, fleet, business, motorcycle, etc.) insurance is very likely to have coverage which satisfies or exceeds the Hawaii minimum requirements. If you have any questions about your coverage, please contact your insurance provider prior to booking your Speedster. The Renter's Collision Protection policy included in your rental price covers collision damage to our cars only up to $20,000 with a deductible of $250. Damage to our cars in excess of $20,000, personal injury, third-party liability, etc. must be covered by YOUR personal automobile insurance policy. Please email or text us proof of personal automobile insurance for each driver at least 48 hours prior to your rental. Wallet card, online app screenshot, email or document showing drivers name, policy number and dates policy is valid proof of insurance. If you have corporate/business insurance, your provider MAY be able to extend coverage for rental cars, including our Speedsters. Please contact your insurance provider to obtain more information. In additon to the copy of the insurance policy, we would then also require a letter/email from your provider confirming that coverage will extend to our Speedsters.
- Canadian drivers (except British Columbia residents): You will need to obtain confirmation from your insurance provider that your personal automobile (not corporate, fleet, business, motorcycle, etc.) insurance policy is valid in the US for the type of vehicle rented (vintage, modified from original production, etc...) and meets Hawaii minimum requirements. From previous experience, most Canadian insurance providers will confirm coverage, but it needs to be checked and confirmed prior to booking your Speedster. Please contact us at info@mauiroadsters.com or 808-339-6204 so we can send you a detailed email about what is required. Do not send us your insurance policy as we are not insurance experts and aren't in a position to review policies to confirm coverage ourselves.
- Canadian drivers from British Columbia: Unfortunately, ICBC (including Roadstar) does not cover rental vehicles for which the daily rental rate exceeds $250 (USD), therefore excluding our Speedsters. You will need to obtain insurance coverage. Please do not make a reservation at this time and see below for more details.
- All other international drivers or drivers who do not have personal automobile insurance: You will need to obtain insurance coverage. Please do not make a reservation at this time and see below for more details.
Drivers who require insurance coverage need to book one of our Speedsters on the rental platform Turo.com. As Turo charges a trip fee in addition to taxes and the cost of an insurance package (they offer several options), the total cost is higher than when booking directly with us, but since insurance is a legal requirement, it is unfortunately the only option we currently have available. The minimum age to book one of our Speedsters on Turo is 30 year old. Unfortunately, this is a requirement from Turo, not us, and we cannot change it.
Booking our Speedsters on Turo requires some coordination between you and us. As Turo and our internal reservation system do not sync with each other, in order to prevent double booking, we have to "hide" our Speedsters on Turo. If you search for our Speedsters on the rental platform, you will most likely not find them until we make them visible. Furthermore, our listings on Turo are set by default for full day rentals and do not have all of the delivery options we offer. But we can customize the listing to match exactly what you had in mind for your rental. If you want to check our Speedsters on Turo, please contact us at info@mauiroadsters.com or 808-339-6204. Let us know which Speedster you are interested in, which day, rental duration and whether you wanted it delivered or not. We will then adjust the listing accordingly, make it visible and send you a link. You will then be able to go through the booking process, confirm total pricing and decide whether or not you will make a reservation.
Credit card companies offer secondary policies that only cover damage to your rental car, not general liability insurance or personal injury, and many types of cars are excluded (vintage cars, older than 10 years, exotic cars, modified vehicles, etc.). Unfortunately, we have not found a credit card that provides the coverage required by Hawaii state law for general liability and personal injury protection.