Hawaii Car Insurance Quote
The state average car insurance rate in Hawaii is $1,228 per year, which is less than the national average of $1,442. Hawaii is one of several states that do not use credit history to differentiate insurance rates. Compared to California, which also does not use credit history, Hawaii's average annual rates are about $700 lower. However, auto insurance rates in Hawaii can vary widely among the various companies included in our Best Car Insurance Companies of 2023 rating.
hawaii car insurance quote
According to our research, the cheapest car insurance company for most drivers in Hawaii is Geico, with annual rates averaging $930. The most expensive insurance company for most drivers is Progressive, with average annual rates of $1,542.
The cheapest car insurance company for 17-year-old drivers in Hawaii is State Farm, with average annual rates of $1,032 for both male and female teens. The most expensive company for teen drivers is Progressive, with a yearly rate of $2,249 for both male and female drivers. Average annual rates for teen drivers in Hawaii fall at $1,372 for both genders.
For single 25-year-olds in Hawaii, the cheapest car insurance company is Geico, with an average annual rate of $930 for both genders. The most expensive insurance company for young adult drivers is Progressive, with an average yearly rate of $1,542 for both male and female drivers. Average yearly rates in the state for young adults are $1,228 for both women and men.
The average annual rate for married 60-year-old drivers in Hawaii is $1,228 per year for both men and women. Seniors looking for the cheapest car insurance rates in Hawaii may want to check out Geico, with average annual rates of $930 for both genders. The most expensive company is Progressive, with average rates of $1,542 per year for men and women.
The average rate in Hawaii for drivers with a DUI on their record is $2,877 per year. State Farm is usually the cheapest car insurance company in Hawaii for these drivers, with a yearly average rate of $1,131. The most expensive company is Geico, with an average annual rate of $6,526.
Hawaii drivers with high coverage insurance pay an average rate of $1,302 per year. The cheapest car insurance company for high coverage in Hawaii is Geico, with an average annual rate of $964. The most expensive insurance company is Progressive, with an average rate of $1,684 per year.
The average annual state rate for low coverage is $1,144 per year. The cheapest car insurance company for minimum coverage in Hawaii is Geico, with an average annual rate of $869 per year. The most expensive company is Progressive, with an average annual rate of $1,406.
All motor vehicles registered in Hawaii must carry insurance to continue being registered. This includes motorcycles and motor scooters. Drivers must carry proof of insurance when operating a vehicle.
Hawaii requires car insurance minimums of $10,000 for personal injury protection, $10,000 for property damage, $20,000 for bodily injury to one person, and $40,000 for bodily injury to more than one person. Hawaii does not require uninsured motorist coverage, and you must decline this protection in writing. If you do purchase uninsured motorist coverage, the minimum is $20,000.
The average rate for car insurance in Hawaii does not vary greatly by city. The highest rates are usually in Hilo at $1,331 per year. Kapolei, Mililani, Kailua, and Pearl City have an average rate of $1,225 per year. Honolulu, Kihei, and Kahului have the lowest rates for large cities at $1,222 and $1,195 per year, respectively. These rates are also lower than the state average.
Yes, Hawaii is a no-fault state. This means that your insurance company will pay for your injuries and passenger injuries up to the amount of your personal injury protection benefits. No-fault protection applies exclusively to injuries, and you cannot be sued above your insurance benefits unless the injuries are serious. However, you can be held responsible for property damage.
AAA is one of the country's largest and most reputable car insurance companies. When you get a quote with AAA, you can be sure you're getting quality coverage at an affordable price. AAA also offers a variety of policy options and discounts so that you can find the coverage that's right for you.
Every driver is different, and that's why AAA makes it easy for you to personalize your car insurance policy with just the coverage that's right for you. Getting a free car insurance quote is a great way to get started.
Collision insurance is a type of auto insurance coverage that pays for damage to your vehicle from an accidental collision with another car or object. Your insurance company pays for damages, the cost of repairs (minus your deductible), or the actual cash value of your car, whichever is less, regardless of who is at fault.
Comprehensive insurance is a type of auto insurance coverage that pays for damage to your vehicle that's not caused by a collision or rollover. If your windshield is broken or your vehicle is damaged by fire, theft, vandalism, windstorm, or even an animal, comprehensive coverage helps pay for repairs (minus your deductible) or the actual cash value of your car, whichever is less.
It's no secret that the cost of car insurance can be expensive, especially for young drivers. But there are ways to get find lower rates, and one of the best is to compare quotes from different insurers.
When comparing car insurance quotes, there are a few key factors to consider. First, you'll want to make sure that each quote includes the coverage and benefits that you're looking for. That means checking things such as liability limits, deductibles, discounts, and policy riders. In addition, make sure that you are comparing quotes for like limits, deductibles and coverage lines.
You'll also want to make sure that your quote is up to date so you don't miss out on any recent changes in rates or policies. Lastly, it's always wise to read the fine print of each quote before making a final decision. This will ensure that you understand exactly what your quote covers and avoid any surprises down the road.
It is unlawful to drive an uninsured vehicle. To legally operate a motor vehicle, you must carry at least the minimum liability insurance required. Most states require liability insurance that will cover other people who are injured in and property belonging to others that was damaged in an accident that you are found to be legally responsible for.
Auto insurance usually follows the car, not the driver. If someone borrows your vehicle with your permission and is in an accident, they'll be covered under your insurance unless they're specifically excluded from your policy.
If your child lives in the same household and drives your car(s), they can remain on your insurance policy. There is no cutoff for age. However, your child may need to purchase separate insurance for vehicles they own.
Your deductible is the amount you'll pay out of pocket for a claim before your insurance company pays. A higher deductible can help lower your monthly premiums, but will increase the amount you're responsible for in an accident.
AAA insurance is a collection of AAA branded products, services and programs available (where authorized) to qualified AAA members. AAA personal lines insurance is provided by Interinsurance Exchange of the Automobile Club in CA, HI, NM, ME, NH, PA, VA and VT; by Automobile Club Inter-Insurance Exchange (ACIIE) and Auto Club Family Insurance Company in AL, AR, IL, IN, KS, LA, MS and MO; by Auto Club County Mutual Insurance Company and Auto Club Indemnity Company in TX; by Auto Club Indemnity Company in OH, KY and WV ; Insurance may also be provided by independent carriers. Life insurance is underwritten by AAA Life Insurance Company, Livonia, MI. AAA Life is licensed in all states, except NY. The Motor Club or its affiliates act as an authorized agent for insurers they sell insurance on behalf of, including AAA Life and AAA affiliate insurers. Personal lines insurance may not be available in every state or throughout a state. Please consult your local AAA agent.
We also know the importance of affordability when shopping for car insurance, so we offer a number of discounts, credits, and benefits that help you get the most out of your Hawaii auto insurance policy. Let DTRIC or your independent insurance agent help you create a reliable and affordable car insurance policy that is customized to fit your needs and provides the right protection for you and your family.
Get a free Auto Insurance quote online. Or speak to one of our insurance specialists at 808-923-8742 from Oahu or 1-877-923-8742 toll-free from the Neighbor Islands. Prefer to work with an independent agent? Use our Find An Agent tool to find one in your area.
We value your privacy. We may collect personal information from you such as identifying information (name, address, driver's license number), transactional information (products or services purchased and payment history), digital network activity (interactions with our website, IP address), geo-location data, audio recordings and other forms of personal information. We use this information for business, marketing and commercial purposes, including but not limited to, providing the products and services you request, processing your claims, protecting against fraud, maintaining security, confirming your identity and offering you other insurance and financial products.
Once your car has been with State Farm Mutual Automobile Insurance Company (State Farm) for at least three continuous years, without a chargeable accident during this period, you will receive the Accident-free Discount. If the policy remains in force and there continues to be no chargeable accidents, this auto insurance discount may increase over time.
You may be eligible to receive the Good Driving Discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years. The private-passenger vehicle receiving this auto insurance discount must also be insured with State Farm Mutual Automobile Insurance Company. 041b061a72