Hawaii Car Insurance

On average, Hawaii car insurance costs $89/mo, or $1,079/yr. Although the number of licensed car companies in Hawaii is just over 40, drivers still have access to many reliable providers and affordable coverage. 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. Start comparing Hawaii auto insurance rates for free with our tool below.

Compare Cheap Car Insurance Quotes

 Secured with SHA-256 Encryption

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 a professional writer.

Full Bio →

Written by

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. Brad is licensed in all P&C lines.

Full Bio →

Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 24, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right cheap car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

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.

View as image

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.

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

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.

View as image

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.

View as image

Some states have banned discrimination based on gender for car insurance rates, and this is one of those few states. As you can see the rate for males and females is the same, but the rate still varies with age.

View as image

Some states have banned discrimination based on your credit score when it comes to auto insurance rates, and this is one of those States.

View as image

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

View as image

Who are the largest car insurance companies in Hawaii?

View as image

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:

  1. https://en.wikipedia.org/wiki/Hawaii
  2. https://www.irmi.com/articles/expert-commentary/minimum-insurance-requirements
  3. https://www.allstate.com/tools-and-resources/car-insurance/property-damage-liability-insurance.aspx
  4. http://cca.hawaii.gov/ins/consumers/mvi/

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

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 %