Cheap Auto Insurance Quotes in Schofield Barracks, HI (January 2022)

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Last Updated: January 2022

Car Insurance in Schofield Barracks, HI

The average cost of Hawaii car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Schofield Barracks, HI to find you the cheapest quotes in the area.
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AllstateProgressiveState Farm

Cheapest Car Insurance in Schofield Barracks, HI

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

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$51
HawaiiHonoluluPearl CityHiloWaipahuSchofield Barracks
Click here to learn about car insurance quotes and save on your current policy.

Schofield Barracks, HI Driving Facts

hawaii

Minimum Car Insurance Requirements in HI

The state of Hawaii requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in Hawaii are:

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

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Hawaii state law requires are $20,000 for the injury or death of a single person involved in a car accident and $40,000 for the injury or death of multiple persons. Insurance providers list this coverage at 20/40, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $40,000 are your responsibility.

The minimum property damage liability insurance requirements in Hawaii are:

  • $10,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of Hawaii requires $10,000 for the minimum. You’ll see the collective state minimum listed at 20/40/10. The 10 refers to the property damage liability. Once again, any damages above the $10,000 are your responsibility.

The minimum personal injury protection (PIP) insurance requirements in Hawaii are:

  • $10,000 personal injury protection (PIP) per person per accident

Hawaii is a no-fault state, so Personal Injury Protection (also called no-fault insurance) is mandatory coverage for all drivers. Hawaii PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The minimum coverage limits Hawaii state law requires is $10,000 per person per accident.

Insurify Insights: How Schofield Barracks Drivers Measure Up

chevrolet
Chevrolet Camaro
Most Popular Car in
Schofield Barracks, HI
suspended licenses
#--
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Schofield Barracks drivers measure up to their fellow Hawaii motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Most Popular Vehicle in Schofield Barracks

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Schofield Barracks is the Chevrolet Camaro.

DUI/DWIs in Schofield Barracks

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Schofield Barracks drivers rank -- in the number of DUI’s per driver across all cities in Hawaii.

  • Rank within state: #--
  • Percent of drivers in Schofield Barracks with a DUI: {{percentDrivers}}%
  • Drivers in Schofield Barracks, HI with a DUI in their driving history paid on average {{overpay}}% more than drivers with a clean record

Speeding in Schofield Barracks

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Hawaii, Schofield Barracks drivers rank -- in the number of speeding infractions per driver.

  • Rank within state: #--
  • Percent of drivers in Schofield Barracks with a speeding ticket: {{percentDrivers}}%
  • Drivers in Schofield Barracks, HI with a speeding ticket in their driving history paid on average {{overpay}}% more than drivers with a clean record

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS 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. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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