Whether you moved to the Aloha state last week or you’re lucky enough to have called Hawaii home for years, if you have a car, you’ll have to get insurance, too. CheapInsurance.com gives you exactly what you want, cheap car insurance in Hawaii tailored to what you need. We make it possible for you to get inexpensive car insurance quotes.
Quick Hawaii Car Insurance Facts
Hawaii is a unique state, and driving here is unique too. Learn a little about driving and car insurance in the beautiful state:
- The average annual auto insurance rates are much lower than most states (as low as $800).
- Insurance rates vary widely based on which island the car is registered in, the automobile insurance company, and the cleanliness of a driver’s record.
- Hawaii is a “no-fault” insurance state, meaning that insurance companies must pay for any personal injuries accrued up to the personal injury protection benefits limit and that the driver may not be sued for recovery unless there are serious injuries.
- This protection only applies to personal injuries, not to property or vehicle damage.
- Roughly 11% of motorists on the islands are driving without insurance, making UM coverage worth considering.
- Teen drivers in the state participate in a graduated licensing program, going from an instructional permit, to a provisional license and finally a full license.
Minimum Hawaii Car Insurance Coverage
State government understands that car insurance is an important for safety, which is why it’s mandatory for all drivers. However, the state only requires a certain amount of auto insurance to drive legally. Let’s examine exactly what the state of Hawaii expects.
According to state law in Hawaii, the following types of coverages are necessary:
- Mandatory minimum property damage coverage of $10,000 per occurrence.
- Mandatory minimum bodily injury coverage of $20,000 per person and $40,000 per accident.
- Mandatory personal injury protection of $10,000 per person.
Getting Cheap Car Insurance Quotes In Hawaii
Indeed, cheap car insurance quotes is something we all want, but where to find it? Actually, with a little digging and a little time, it’s not too hard to find. These are our top tips for finding affordable car insurance quotes:
- Know the facts: Knowing the minimum insurance coverage required is the first step to cheap insurance. Armed with this knowledge, you’ll be able to find the sweet spot where your premium is at its lowest while still allowing you to drive legally.
- Dive deep into research: Searching for insurance can be overwhelming. There’s a whole ocean of insurance companies out there. Don’t just go with the first company that comes along. Make sure to compare the cheapest car insurance quotes, for the best car insurance deal.
- Be a defensive driver: Impatience and road rage can really cost you. Driving more carefully can save you money by helping you to avoid accidents and tickets. So, no drinking or texting while driving. Slow your roll and buckle up.
Hawaii Car Insurance Discounts
Each state offers different insurance discounts to encourage drivers to drive safely. Hawaii is no exception. Hawaii offers many different types of auto insurance discounts for good drivers. Here are some you may qualify for:
Good Driver: Driving safely pays off. If you have a clean record, you may be able to save 10-30% on vehicle insurance in Hawaii.
Good Student: You don’t have to have perfect grades to get this, just good ones. A “B” average can get students 5-20% discount for car insurance.
Defensive Driving Discount: Drivers who complete a defensive driving course can get 5-10% off their auto insurance rate.
Continuously Insured: The state of Hawaii rewards drivers who are correctly insured. Drivers who have been insured for at least six months may be able to save up to 25% on automobile insurance.
Island Paradise Highways: Updates & Insights for Affordable Car Insurance Quotes in Hawaii
Get ready to explore Hawaii’s breathtaking landscapes with these essential updates for 2024:
Hawaii Vehicle Code Changes:
- Hands-free law implementation: Effective January 1st, 2024, holding a phone while driving is completely prohibited, even at stoplights. Hands-free devices remain acceptable. (Source: Hawaii Act 83 of 2023)
- Increased penalties for distracted driving: Fines for texting while driving and other forms of distracted driving have been significantly increased. (Source: Hawaii Revised Statutes Title 29)
- New electric vehicle (EV) incentives: Additional rebates and tax credits continue to encourage EV adoption in Hawaii. Stay updated on available programs through the Hawaii Clean Energy Initiative. (Source: Hawaii Clean Energy Initiative)
Average Auto Insurance Quotes in Hawaii (2024):
(Sources: ValuePenguin, Bankrate)
Company | Minimum Coverage | Full Coverage |
State Farm | $1,275 | $344 |
Geico | $1,359 | $278 |
Progressive | $1,874 | $720 |
Island Insurance | $1,889 | $491 |
Allstate | $2,389 | $604 |
Hawaii has some of the nation’s highest insurance rates due to factors like island isolation, population density, and hurricane risks. Individual rates can vary considerably based on driving history, location, and vehicle type.
Hawaii Car Insurance FAQ
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What is the average car insurance cost in Hawaii?
Minimum coverage: $644 per year. Full coverage: $1,763 per year.
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How much is auto insurance per month in Hawaii?
Minimum coverage: $54 per month. Full coverage: $174 per month.
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What is the penalty for driving without car insurance in Hawaii?
Driving without car insurance is a crime. If you are caught driving without insurance, you may have to pay a fine ranging from $500 to $5,000, appear in court, lose your license, and be required to perform community service.
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What is driving like in Hawaii?
Hawaii ranks as one of the worst states to drive in due to the high amounts of congestion and rush hour traffic it experiences. Thanks to government upkeep, most main roads are in good condition on the islands of Hawaii. Many of Hawaii’s main roads follow the circumference of the island.
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How can I save money on a car insurance policy in Hawaii?
It’s not hard to find ways to save on your policy; it just requires a little creativity. Here are some of our favorite ideas:
- Ask your car insurance provider if they offer multiple car discounts (if you have multiple cars, of course).
- Drive safely to be eligible for cheap car insurance quotes
- Update the safety features in your car, insurance companies provide discounts for safety upgrades
- Pay all of your auto insurance premium upfront to save on monthly fees.
- To have a automobile insurance policy that costs less, find out if increasing your deductible is right for you.
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How do I get registered to drive in Hawaii?
Registration procedures vary depending on which island you want to use as your registration point. The islands of Hawai’i, Maui, Kaua’i, and O’ahu all have separate operations. Vehicles shipped to Hawaii from the outside require a Bill of Lading or import document for registration.
Additional Types of Car Insurance Coverages
Consider additional protection with the following car insurance coverages:
Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)
Medical Payments Coverage
Physical Damage Coverage
Endorsements and Riders
