Cheap Car Insurance in Hawaii (With Quotes, August 2022)

Not only do Hawaii drivers get to enjoy sunshine and the beach, but they also have some of the lowest auto insurance rates in the country. On average, Hawaiians will pay $122 a month for state minimum car insurance. While this average is a good number to judge quotes against, you should compare personalized quotes with Insurify to find out how much you could be paying.

See More: Cheap Car Insurance

See More: Cheap Car Insurance No Deposit

Every driver is after cheap auto insurance coverage, but it isn’t always easy to find. For motorists living in Hawaii, one insurance provider consistently provides low average rates—Farmers. Generally, policyholders pay insurance premiums of $108 per month. Below is a list of other auto insurance companies that offer some of the best rates in the state.

See More: Car Insurance Quotes

Cheapest Liability Auto Insurance in Hawaii

One component of your auto insurance policy is liability insurance. Liability coverage will assist in paying for any injuries or property damage that occurs to another person from an accident where you were at fault. Here are a few of the best cheap car insurance companies that offer liability coverage.

Cheapest Full-Coverage Auto Insurance in Hawaii

A full-coverage policy is a great option for drivers who want auto insurance that provides the highest level of coverage. It provides liability insurance and has the added protection of collision coverage and comprehensive coverage. Below are a couple of the companies you should consider if you are thinking about purchasing full-coverage car insurance.

There are several ways to rank the best Hawaii auto insurance companies. Insurify utilizes an Insurify Composite Score (ICS) to determine which providers offer the best value to customers. The table below showcases the best car insurance companies in Hawaii and the average monthly rate you can expect to pay.

See More: Best Car Insurance Companies

Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Many things can affect your rates, but your driving record and accident history are two of the biggest factors. If you have a clean driving record, you can expect your rates to be lower than they would be if you were involved in a car accident. Other things, such as DUIs and speeding tickets, can also affect rates.

See More: High-Risk Car Insurance Hawaii

Cheap Car Insurance for Good Drivers in Hawaii

Often, the cheapest auto insurance rates go to motorists identified as good drivers. To be included in this category, you will want to maintain a clean driving record and avoid any issues such as tickets or accidents. Customers who are considered good drivers can expect to pay the following rates.

Cheap Car Insurance for Drivers with DUI in Hawaii

Having a DUI on your driving record can cause concern for insurance companies. Since most insurance providers use risk factors to set rates, having a DUI will classify you as high-risk and result in a higher monthly premium. Below is a list of quotes you can expect to see if you have a DUI in your driving history.

See More: SR-22 Insurance Hawaii

SR-22 Insurance in Hawaii

If a driver is convicted of a serious traffic violation, such as reckless driving, a hit-and-run, or a DUI, Hawaii law could require them to obtain an SR-22 insurance form. This form provides legal proof that a driver carries the state minimum liability insurance. Should you need an SR-22, the following companies are often the best place to start.

Cheap Car Insurance for Drivers with an At-Fault Accident in Hawaii

Hawaii is among 12 states considered no-fault states, which means that your insurance has to cover your damages from an accident even if it was another driver’s fault. Since this is the case, multiple accidents in your driving history can qualify you as a high-risk driver and result in higher premiums. Use the table below to see how an accident can affect your monthly rates.

Cheap Car Insurance for Drivers with Speeding Tickets in Hawaii

We all have been guilty of driving above the speed limit. Whether you were running late for work or had an appointment to get to—receiving a speeding ticket could mean higher monthly rates. If you do receive a speeding ticket, you should consider getting a quote from one of the following insurance providers.

Drivers in Hawaii won’t have to worry about their credit rating affecting their overall auto insurance rates. State law forbids insurance companies from using credit history as a factor when setting annual premium rates. This means that drivers who have a poor rating will have the same average rates as drivers with an excellent rating—barring other factors.

See More: Bad Credit Car Insurance Hawaii

Even though the first couple of years of driving is an exciting period, teen drivers and young drivers often contend with higher average monthly rates. As drivers gain more experience, insurance companies often offer better rates. For instance, drivers in their 20s pay $24 more per month for auto insurance than those in their 80s.

Regardless of where you live in Hawaii, most cities feature auto insurance rates well below the national average of $139 per month. Locations such as Kihei, Kahului, and Wailuku offer monthly averages of $30–$40 less. Use the chart below to see the average monthly quote in your city.

Every state has minimum insurance requirements, and Hawaii is no exception. Additionally, all drivers in Hawaii will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Hawaii.

Minimum Car Insurance Requirements in Hawaii

All motor vehicles operated or parked on Hawaii roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement
• Renewing vehicle registration
• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Hawaii^[1] are:

• $20,000 per person for bodily injury
• $40,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Hawaii is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $10,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Hawaii DMV Information

As a driver in Hawaii, you must have an updated driver’s license and the proper documentation for your vehicle. This often means you will need to regularly maintain or renew your vehicle’s tags. In addition to these services, the Hawaii DMV also offers the following services:

• Special license examinations for driving motorcycles, commercial trucks, and noncommercial trucks
• Defensive driving courses and certifications
• Vehicle registration renewal
• Transferring of vehicle title to another party

Public Transportation in Hawaii

If you are looking for alternatives to driving in Hawaii, your best option is to take the bus. Since Hawaii doesn’t offer transportation via trains, subways, or trams, riding by bus is generally the only way to get around. The good news is that Hawaii has invested heavily in the bus systems and offers excellent options on each of the four major islands.

Regardless of whether you are searching for an auto insurance policy that meets the state’s minimum requirements or a full-coverage policy, you will want to shop around before purchasing. The first couple of quotes you receive often won’t be the cheapest, which is why it is important to review multiple quotes before selecting coverage.

Insurify makes the shopping process quick and easy. Thanks to an interactive platform that provides a list of quotes on a single page, you can quickly review policies within a matter of seconds. See what policies you qualify for today.