With 137 islands and over 9500 miles of road, Hawaii has lots of beautiful country to experience. Like the rest of the 50 states, Hawaiian drivers need to carry auto insurance.
This article is going to cover everything you need to know about Hawaii car insurance.
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Car insurance costs money. That’s not exactly a shocking statement. But what might be more surprising to hear that Hawaiians pay about 30% less for car insurance than the average American.
That’s right, the average price of car insurance in the Aloha state is $1 088 annually, which is well below the national average.
But the average cost does not necessarily reflect what you yourself can expect to pay for car insurance in the state. This is because the cost of car insurance is heavily dependent on factors such as:
Note: Hawaii is one of the few states that does not take credit score into account when pricing insurance.
Keep reading to learn how you can find the cheapest car insurance in Hawaii to suit your individual needs!
You have to carry car insurance in order to drive; that’s the law.
Driving without insurance comes with severe legal ramifications as well as significant risk to your financial health.
The minimum coverage requirement is the state-mandated amount of coverage that every driver is required to have. In Hawaii, the minimum coverage requirements are as follows:
The average cost for a minimum coverage policy in Hawaii is $370 annually.
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While the legal minimum insurance is certainly the cheapest option on the market, insurance experts advise carrying more insurance so that you’re covered in a variety of different circumstances.
A standard car insurance plan will have both comprehensive and collision coverage in addition to the minimum coverages.
If you are loaning or leasing your vehicle, chances are that a standard full coverage car insurance plan will be mandatory.
There are also some fancier coverage options that you could add to your policy to secure yourself in even more situations. Here are some coverage options available in Hawaii:
At the risk of sounding full of ourselves…insurers really have thought of everything!
Carrying a car insurance policy with all different kinds of coverages protects you in any unfortunate situation you might find yourself in. While these additional coverages do cost money, it’s still very possible to find thorough and cheap car insurance in Hawaii.
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According to a recent study by zebra.com, the three insurance companies offering the cheapest rates in Hawaii are:
While these trusted companies have the best rates on average, they don’t necessarily have the best price for all drivers on all policies. For example, State Farm has the best rates for drivers who have a DUI on their record.
This variation is precisely why we recommend comparing various Hawaii car insurance quotes against each other to find the best price.
ConsumerCoverage has been helping Americans across the country save money and find the best insurance policies on the market for years now.
Consult more of our blogs, videos, and other resources for more information. Or reach out directly!
We can also provide access to Hawaii auto insurance quotes, so please do contact us! We’re happy to help.
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Claire Smith Claire is a creative entrepreneur with a variety of marketing and content creation skills, including blog and web copy writing, research, and strategy. She has a Masters in Cultural Studies from Queen's University and is known for thinking laterally about marketing, based on her deep knowledge of people and behavior.
