Cheap Auto Insurance Quotes in Hawaii

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Hawaii Car Insurance Averages for Annual Premiums

$354
Minimum Coverage Average
$1234
Full Coverage Average
$918
All Coverage Types Average

Cheapest Car Insurance in Hawaii

Getting cheap car insurance in Hawaii doesn't necessarily mean getting a low quality policy.  Many insurance carriers offer discounts on your car insurance policy.  These discounts come from things like:

  • Adding multiple vehicles to a policy
  • Bundling home and auto insurance together
  • Paying for your policy upfront
  • Passing a defensive driving training course
  • Keeping your driving record in good standing
  • Updating your policy info on a regular basis
  • Checking your rates, deductible, and limits
  • Using an anti-theft security system on your car
  • Being careful with the type of vehicle your purchase

Make sure you ask the agent you speak with about what you can do to get Hawaii affordable car insurance.  Get them to go through all of the auto insurance discounts they offer so you don't miss any.

 

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Best Car Insurance in Hawaii

The Insureist™ Data Science team ranks the best insurance companies in Hawaii using multiple factors.  This includes areas such as financial health, reliability, quality, online reviews, and customer service.  Data is gathered from multiple credible sources that include:
  • Forbes
  • Consumer Reports
  • Standard & Poor’s
  • J.D. Power
  • Moody’s
  • A.M. Best

The best auto insurance companies in Hawaii are determined based on these results.

Car Insurance in Hawaii

Hawaii Vehicle insurance pricing will be different from city to city.  The Insureist™ Data Science team analyzed each metro area in Hawaii to give you an idea of the average insurance premium in each city.  HI insurance rates will vary depending on your driving record, personal history, and other information unique to your situation.

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Types of Hawaii Car Insurance Quotes

The cheapest insurance companies in Hawaii will be different from person to person.  This is because everyone has a unique history when it comes to the factors that impact the rate you pay for insurance in Hawaii. Average rates may vary depending on the profile and background of the policyholder depending on these and other factors:

  • Age
  • Vehicle make and model
  • Insurance claim history
  • Credit score
  • Driving record
  • Gender
  • Marital status
  • Legal liability requirements
  • Where you live
  • Miles driven each year

Cheap Auto Insurance for Good Drivers

Drivers who drive clean and traffic citations can have car insurance rates significantly lower in the state of Hawaii.

Cheap Auto Insurance for Drivers with DUI

Everyone makes a mistake and has to deal with the consequences, but the consequences of a DUI can be severe. These penalties include fines into the thousands of dollars. Finding affordable rates for HI car insurance after a DUI is no small feat, but if you really have trouble getting an affordable rate, consider only liability insurance as a way to save.

Cheap Auto Insurance for Drivers with an At-Fault Accident

Even a tiny fender bender can lift interest rates to levels that will significantly alter your budget. Insurers look at different time frames to track your driving history, from the time of your accident to the date of your accident and even up to a few months later. One company could look at the last five years, while the other could look at the last three years and so on.

Cheap Auto Insurance for Speeding Drivers

Speeding tickets can directly impact the rate you pay for HI auto insurance.  Get enough of them and you can even lose your license.

Cheap Auto Insurance for Young Drivers

Inexperienced drivers pose a higher risk to insurance providers so their rates can be significantly higher than average drivers. Novice drivers should be especially careful to maintain a clean driving record and comply with all speed limits and other driving regulations. Some HI insurance companies can provide more favorable rates than others for younger drives. It's worth getting multiple quotes so you can save money on your monthly insurance premiums.

Hawaii SR‌-22 Insurance

You will need to get SR‌-22 insurance in HI if it's ordered by the state or a court. If it's a court that orders it, then the judge will notify you of this at the hearing. If it's ordered by the state, then you will get a letter from the DM/BMV.

Not all drivers need an SR-22. It's generally only required if you are caught driving without a valid license or valid insurance. You may also need an SR-22 in these cases:

  • Convicted of a DUI or DWI
  • Operating a vehicle without insurance
  • Too many violations or accidents where you are at-fault
  • Multiple offenses in a short time frame (i.e. getting 4 speeding tickets within a few months)
  • Refusing to pay child support that is court-ordered
  • Having to obtain a hardship license

The SR-22 is not an insurance policy. It's a document that your insurance company in HI files with the state to prove you have adequate car insurance. This allows you to legally drive again if you are ordered to get an SR-22. Not all insurers offer SR-22s so you may need to shop around.

FAQs - Hawaii Car Insurance & Driving Facts

Which car insurance is best in Hawaii?

The best car insurance company in Hawaii will vary depending on where you are located in the state and what type of coverage you need. It's a good idea to get a quote from multiple HI insurance companies to get the best deal for you. Here are the largest insurance companies in the US that you may consider starting with: State Farm, GEICO, Progressive Corporation, Allstate, USAA, Liberty Mutual, Farmers Insurance Group, Nationwide Mutual Insurance Company, American Family Insurance, The Travelers Companies. Please note that they may or may not provide specific kinds of coverage in your area.

How much car insurance do i need in Hawaii?

The minimum auto insurance liability coverage required in the state of Hawaii is 20/40/10. This means that you must by law have at least the following coverages: $20000 bodily injury coverage per person, $40000 bodily injury coverage per accident, $10000 property damage coverage per accident. While these are the legal minimums to drive in Hawaii, many experts recommend that you get liability coverage of at least 100/300/50 if you can afford it. This means you should strongly consider: $100,000 bodily injury coverage per person, $300,000 bodily injury coverage per accident, $50,000 property damage coverage per accident. You may also consider getting additional HI auto insurance coverage depending on your financial situation.

How much does car insurance cost in Hawaii?

The average annual cost of an auto insurance policy in Hawaii is $918. The average minimum coverage annual cost in Hawaii is $354. The average full coverage annual cost in Hawaii is $1234.

How does car insurance work in Hawaii?

Car insurance pays for damage caused by the driver, but can also cover repairs and medical bills. Motorists buy policies from auto insurance companies that promise some coverage for different situations. There are different types of car insurance for drivers in different states, and there are many different levels of coverage available from different companies. Vehicle insurance is mandatory in 48 states, but the specific insurance requirements and costs vary from state to state for each driver.

What are the different types of car insurance in Hawaii?

These are the 5 typical components of an auto insurance policy: Liability Coverage - Pays for injuries to people and damage to property caused by you in an accident; Uninsured and Underinsured Motorist Coverage - Pays your medical bills if you are in an accident and the other driver does not have an insurance policy or does not have a big enough one; Comprehensive Coverage - Pays for damage to your car from fire, hail, flood, falling objects, vandalism, hitting an animal, and theft of your car; Collision Coverage - Pays for the repair or replacement of your car after an accident; Medical Payments Coverage - Pays for covering the cost of medical expenses related to an accident.

Additional Insights

Hawaii Map

Hawaii

Vehicle Insurance

Cities

Coordinates:

21°18′27″N 157°51′27″W / 21.30750°N 157.85750°W / 21.30750; -157.85750 (State of Hawaiʻi)

Hawaii ( hə-WY-ee; Hawaiian: Hawaiʻi [həˈvɐjʔi] or [həˈwɐjʔi]) is a U.S. state located in the Pacific Ocean. It is the only state outside North America, the only island state, and the only state in the tropics. Hawaii is also one of a few U.S. states to have once been an independent nation.

Hawaii encompasses nearly the entire Hawaiian archipelago, composed of 137 volcanic islands spanning 1,500 miles (2,400 km), which are physiographically and ethnologically part of the Polynesian subregion of Oceania. The state's ocean coastline is consequently the fourth longest in the U.S., at about 750 miles (1,210 km). The eight main islands, from northwest to southeast, are Niʻihau, Kauaʻi, Oʻahu, Molokaʻi, Lānaʻi, Kahoʻolawe, Maui, and Hawaiʻi, after which the state is named; it is often called the "Big Island" or "Hawaii Island" to avoid confusion with the state or archipelago. The uninhabited Northwestern Hawaiian Islands make up most of the Papahānaumokuākea Marine National Monument, the largest protected area in the U.S. and the third largest in the world.

Settled by Polynesians some time between 124 and 1120, Hawaii was home to numerous independent chiefdoms. British explorer James Cook was the first known non-Polynesian to arrive at the archipelago in 1778; early British influence is reflected in the design of the state flag. An influx of explorers, traders, and whalers arrived shortly thereafter, introducing diseases that decimated the once-isolated indigenous community. Hawaii became a unified, internationally recognized kingdom in 1810, remaining independent until Western businessmen overthrew the monarchy in 1893; this led to annexation by the U.S. in 1898. As a strategically valuable U.S. territory, Hawaii was attacked by Japan on December 7, 1941, which brought it global and historical significance, and contributed to America's decisive entry into World War II. Hawaii became the most recent state to join the union on August 21, 1959. In 1993, the U.S. government formally apologized for its role in the overthrow of Hawaii's government, which spurred the Hawaiian sovereignty movement.

Of the fifty U.S. states, Hawaii is the eighth-smallest in area and the 11th-least populous, but with 1.4 million residents is the 13th-most densely populated. Two-thirds of the population lives on the island of O'ahu, home to the state's capital and largest city, Honolulu. Hawaii is among the most diverse states in the country, owing to its central location in the Pacific and over two centuries of migration; it has the nation's only Asian American plurality, largest Buddhist community, and largest proportion of multiracial people. Consequently, the state is a unique melting pot of Southeast Asian, East Asian and North American cultures, in addition to its indigenous Hawaiian culture.

Historically dominated by a plantation economy, Hawaii remains a major agricultural exporter due to its fertile soil and uniquely tropical climate in the U.S. Its economy has gradually diversified since the mid 20th century, with tourism and military defense becoming the two largest sectors. The state attracts tourists, surfers, and scientists from around the world with its diverse natural scenery, warm tropical climate, abundance of public beaches, oceanic surroundings, active volcanoes, and clear skies on the Big Island. Hawaii hosts the U.S. Pacific Fleet, the largest naval command in the world, as well as 75,000 employees of the Defense Department.

Although its relative isolation results in one of the nation's highest costs of living, Hawaii ranks as the third wealthiest state in the U.S.; Honolulu ranks high in several world livability rankings, ranking 22nd out of 140 cities worldwide in the 2019 Global Liveability Index, the highest of any American city.

Source

Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.

Source

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