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HRS §431:10G-103

How to self-insure your motorcycle or scooter

If you own a motorcycle or motor scooter, you can meet the insurance requirement by proving you can pay claims yourself. You must get the insurance commissioner's approval and provide a bond or other security that gives the same protection as a regular policy. This section explains the conditions for self-insurance.

The statute, as written — Motorcycle or motor scooter self-insurance

The motorcycle or motor scooter insurance required by section 431:10G-102 may be satisfied by any owner of a motorcycle or motor scooter if: (1) Such owner provides proof of qualifications as a self-insurer, and a surety bond or other securities affording security substantially equivalent to that afforded under a policy meeting the requirements of section 431:10G-301 and providing coverage at all times for the entire motorcycle or motor scooter registration period, as determined and approved by the commissioner under rules; and (2) The commissioner is satisfied that in case of injury, death, or property damage, any claimant would have the same rights against such owner as the claimant would have had if a policy meeting the requirements of section 431:10G-301 had been applicable to such motorcycle or motor scooter.
Read the official text at capitol.hawaii.gov ↗as published Jan 6, 2026our copy taken Aug 20, 2026

LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.