Hawaii Car Insurance

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently...

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business...

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Reviewed byBrad Larsen
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UPDATED: Jun 29, 2020

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In a nutshell...
  • All vehicles registered in Hawaii must carry liability insurance
  • If found driving without adequate coverage, you could face fines and license suspension
  • Hawaii drivers are also required to be informed of their right to buy UIM

Hawaii drivers enjoy a very healthy car insurance market and no-fault car insurance laws with average Hawaii car insurance premiums 10% lower than average premiums drivers pay nationwide.

Although the number of licensed car companies in Hawaii is just over 40, drivers still have access to many reliable providers and affordable coverage.

Any vehicle registered in the state of Hawaii must have liability insurance or be subject to heavy fines, drivers license suspension, vehicle registration suspension and possible personal liability.

Car insurance is required by law for all vehicles and the cost of driving with no car insurance can be much higher than any premiums would be in the event of an accident.

Need new car insurance? Enter your zip code above and start comparing online quotes for FREE!

Hawaii Car Insurance Requirements

Car insurance is required by law for all vehicles and the cost of driving with no car insurance can be much higher than any premiums would be in the event of an accident.

Take a look at how state minimum car insurance rates vary from state to state.

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Hawaii operates under a set of no-fault car insurance laws which means no one is technically at fault (except in cases of extreme negligence) and each person’s damages are covered by their own auto insurance policy.

Drivers are required to carry both liability insurance and PIP (personal injury protection) insurance with minimum levels of coverage as follows:

  • $20,000 liability per person per accident
  • $40,000 liability per accident for all persons
  • $10,000 personal injury protection (per person)
  • $10,000 property damage insurance

Hawaii drivers are also required to be informed of their right to buy UIM (uninsured/underinsured) motorist coverage by car insurance companies although they have a right to decline such coverage.

Most Hawaii drivers opt for UIM coverage along with comprehensive, collision and other types of coverage.

Drivers can save $859/yr* by comparing car insurance

*based on a survey of 1,000 car insurance customers

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Am I liable for damages if I have car insurance?

Yes. Car insurance is not a blanket protection for all damages. Every auto insurance policy has maximum limits of coverage and exclusions.

If you just purchase the minimum insurance required by law, you certainly will have some potential exposure to personal liability if damages exceed your policy limits.

Many drivers opt for expanded coverage and higher limits of coverage, which can be added for a very nominal cost by most auto insurers.

Hawaii Car Insurance Rates

Let’s take a look at the average monthly car insurance rates.

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A long list of factors determine your premiums and for many drivers, quotes can vary greatly from one auto insurance provider to the next.

Start with learning about the types of car insurance and then try to compare quotes equally based on the coverage options you need.

Let’s take a closer look at how ZIP codes affect car insurance in Hawaii.

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Age and gender will affect your car insurance. Younger drivers are often in a high risk class. See if the gender stereotype (males pay more) holds true in HI.

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Take a look at these 6 major factors affecting auto insurance rates in Hawaii.

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Now let’s see who is the cheapest car insurance company in Hawaii.

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Who are the largest car insurance companies in Hawaii?

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Never compare auto insurance simply by premiums. Many times cheap car insurance quotes are simply a reflection of lower coverage.

Compare auto insurance rates in Hawaii today! Enter your zip code below to get started for FREE!

References:

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State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Monthly Hawaii Car Insurance Rates by ZIP Code
Average Monthly Car Insurance Rates by Age & Gender in Hawaii
Factors Affecting Car Insurance Rates in Hawaii
Hawaii Car Insurance Rates by Company vs. State Average
Hawaii Car Insurers by Market Share %