Car Insurance Quotes Hawaii

Car Insurance Quotes Hawaii

If you’re new to buying auto insurance in Oahu, thinking about switching providers, or just looking for cheaper rates, you’re in the right place! By shopping around for lower rates, you could save hundreds, especially if you’re bundling other insurance.

Hawaii is a “no-fault” state, meaning it doesn’t matter who causes the accident – your insurance will cover your injuries and your passengers’ injuries. Because of the state’s unique driving rules, it’s important to understand how car insurance works here.

Whether you’re at fault or not, your insurance covers the medical costs. Check out Hawaii’s best auto insurance options by getting quotes from local providers. Comparing rates and coverage can help you find the best deal that fits your needs.

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Hawaii Auto Insurance Coverage Requirements

Here are the basic auto insurance requirements you need to drive legally in Hawaii:

• Bodily injury liability coverage: $20,000 per person and $40,000 per accident
• Basic personal injury protection: $10,000
• Property damage liability coverage: $10,000
• Uninsured/underinsured motorist: $20,000 per person and $40,000 per accident

Hawaii Auto Insurance Optional coverage

• Collision Coverage: This helps pay for fixing or replacing your car after an accident, minus your deductible.
• Uninsured Motorist Coverage: If you’re in an accident with someone who doesn’t have insurance, this coverage covers your medical costs and damages.
• Underinsured Motorist Coverage: If the person who caused the accident doesn’t have enough insurance to cover the damage, this helps pay for your costs.

Factors can influence Hawaii auto insurance rates

Things that could affect your auto premium:

• Make and model of your car
• Type of driving (business or pleasure)
• Average daily driving distance
• Driving history
• Coverage types and limits
• Deductible amounts

Low-cost liability insurance in Hawaii

This guide helps you easily compare your choices and pick the coverage that works best for you.

Company————————— Avg 6 Mo. Premium Avg. —————Monthly Premium
USAA———————————————– $178—————————– $30
Island Insurance Group————————– $191—————————– $32
GEICO———————————————- $238—————————- $40
21st Century————————————— $244—————————– $41
Allstate——————————————— $286—————————– $48
Progressive—————————————- $303—————————– $51
State Farm—————————————– $395—————————– $66

How to get the best car insurance in Hawaii

Car insurance is a must if you drive in Hawaii. To make sure you’re covered and following the law, here are some helpful tips:

Understand the legal requirements

• Hawaii law says every driver needs car insurance. Not having the required coverage can lead to fines.
• Also, because Hawaii is a no-fault state, your insurance helps pay for medical bills after an accident — that’s called PIP or personal injury protection.

Know what your lender expects

• If you’re still making payments on your car or leasing it, the bank or dealership may require you to have full coverage.
• This protects their investment and ensures the car can be fixed if something happens.

Pick coverage that fits your life

• Everyone’s needs are different. If you drive a lot or live far from town, you might want extras like roadside help.
• If you have a student going to college, you may need to adjust your policy for them, too.

Auto Insurance Discounts

Save on your Hawaii auto policy with discounts that make a real difference.

• Prior Insurance Discount
• Group Discount
• Renewal Credit or Special Customer Credit
• Hybrid Vehicle Discount
• Anti-Theft System Discount
• Anti-Lock Brake System Discount
• Multi-Car Discount
• Air Bag Discount
• Island Package Bundle

Also Read: Car Insurance Quotes Austin

Best Car Insurance Companies in Hawaii

There are lots of insurance companies out there, but some of the most trusted ones in Hawaii are:

•  State Farm
• 
Farmers Insurance
• Progressive
• Allstate
• GEICO

To find the right car insurance in Hawaii, know the state’s rules, understand what affects your rates, and compare quotes from trusted companies. Click here to get a quote now!

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