Hawaii Auto Insurance (2023)

Beautiful beaches aren’t the only thing Hawaii residents enjoy — the Aloha State also boasts some of the cheapest insurance rates in the country. Hawaiian drivers pay up to 29% less than the national average for car insurance.

Some of the cheapest companies in Hawaii are USAA, State Farm, and the Island Insurance Group. However, insurance companies look at a variety of factors to determine your rates, and you might find better prices from other companies.

Read on to learn more about car insurance in Hawaii and which companies might be your best bet for affordable rates. Then, compare quotes with as many companies as possible to ensure you get the best policy for you.

Which insurance companies in Hawaii are the cheapest?

Hawaii has a lot to offer, including affordable car insurance. Compared to the rest of the country, Hawaii drivers pay about 29% less for car insurance.

However, there are a lot of factors that companies consider when crafting insurance quotes. Your age, driving record, and location can significantly impact your insurance rates.

An excellent way to start looking for car insurance is to compare how rates change for different factors. You can look at average rates in the discussion below, but remember that the amount you’ll pay for insurance will be unique to you.

Minimum Insurance Rates in Hawaii

Most states require drivers to buy a minimum amount of auto insurance, and Hawaii is one of them. You’ll need the following coverage before you can drive in the Aloha State:

• Bodily injury liability — $20,000 per person
• Bodily injury liability — $40,000 per accident
• Property damage liability — $10,000 per accident
• Personal injury protection — $10,000 per person

Liability insurance pays for damage and injuries you cause to other drivers in an accident. It also pays legal fees if someone sues you.

Personal injury protection is a necessity because Hawaii is a no-fault state. No-fault states limit how much you can sue another driver and requires that your own insurance covers your medical bills.

Minimum car insurance in Hawaii is your cheapest option for coverage. To get an idea of how much minimum auto insurance in Hawaii might cost, check out the rates below.

USAA offers the lowest rates for minimum insurance but has strict eligibility requirements. Only active or retired military members and their families are eligible for coverage. If that doesn’t apply to you, the Island Insurance Group and State Farm are good alternatives.

Before you sign up for a minimum insurance policy, you should be aware of the financial risks. Hawaii requires a fairly low amount of insurance so that you may run out of coverage. If that happens, you’ll be responsible for covering any remaining damages.

Full Coverage Rates in Hawaii

Full coverage offers better protection than minimum insurance but comes at a higher price. You buy liability, comprehensive, collision, uninsured motorist, and personal injury protection when you purchase a full coverage policy.

Hawaii does not require drivers to buy full coverage, but you’ll probably need it if you have a loan or lease on your car. Rates depend on a variety of factors, but you can check the average prices below.

USAA is once again the cheapest car insurance company in Hawaii, followed by State Farm and the Island Insurance Group. If you’re eligible for USAA, full coverage insurance might cost you $97 a month, while State Farm costs about $103.

While they’re not included in full coverage, other popular insurance options in Hawaii include the following:

• Rental car reimbursement
• Roadside assistance
• Custom parts and equipment
• GAP coverage

These policies offer valuable protection to your car, but you should only buy what you need. Purchasing add-ons can dramatically increase your car insurance rates.

Hawaii Car Insurance Rates by Age

One of the riskiest groups for car insurance companies to cover is young, inexperienced drivers. Companies consider young drivers risky because they are more likely to get into accidents, file claims, and engage in reckless behaviors.

Because of these risks, young drivers see some of the highest rates for car insurance. However, your rates will start to decrease around age 25 as long as you avoid traffic infractions.

State Farm might be the best option for young drivers in Hawaii who don’t come from military families. Since car insurance is so expensive, it’s imperative that young people compare rates with as many companies as possible.

Hawaii Car Insurance Rates After an Accident

Another important risk factor for car insurance companies is past accidents. People with at-fault accidents in their driving record will see higher auto insurance rates in Hawaii. However, accidents only affect your insurance rates for about three years. If you avoid additional accidents, your rates will eventually return to normal.

As you can see, some companies are more forgiving than others for having an at-fault accident. USAA, State Farm, and Geico have some of the cheapest auto insurance rates in Hawaii, while Allstate’s rates are much higher.

Hawaii Car Insurance Rates After a DUI

Many factors will increase how much you pay for car insurance, including speeding tickets, being young, or causing an accident. One of the most impactful factors that will affect your rates is a DUI conviction.

DUI charges are so serious that some companies will drop you as a customer after a single charge. You might have to get high-risk auto insurance if you have multiple DUIs.

Still, most companies will work with you if you only have one DUI. However, your rates will be much higher than drivers without a conviction.

State Farm might offer the lowest rates after a DUI charge, but you should always compare rates after a conviction. Even if your insurance company doesn’t drop you, you might find more affordable coverage elsewhere.

Higher insurance rates aren’t the only penalty after a DUI in Hawaii. You’ll also face the following consequences:

• First offense – 48 hours to five days in jail, up to $1,000 fine, a year of license suspension, 72 hours of community service, and mandatory attendance in an alcohol education course
• Second offense – five to 30 days in jail, up to $3,000 fine, 240 hours of community service, three years of license suspension, and alcohol education

You’ll have $500 and 48 hours of jail time added to your sentence if you have a minor in the car with you when you get a DUI. If you get a third DUI within 10 years, you might spend five years in jail and lose your vehicle.

Keeping your record clean of DUIs is integral for low Hawaii insurance rates. DUIs affect your car insurance for a long time but generally fall off after seven years.

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Which cities in Hawaii have the cheapest rates?

From beautiful beaches to lush jungles, Hawaii’s cities and towns offer a unique place to live. Your insurance rates depend on where you live and can change by moving even a single ZIP code.

Insurance costs in Hawaii vary significantly by city. For example, Hilo and Honolulu auto insurance rates are higher because they have more traffic. However, cheap car insurance in Hawaii is generally easy to find.

Does Hawaii have other car insurance laws?

You already know how much car insurance Hawaii requires all drivers to carry, but there are additional laws you should be aware of.

First, you must carry proof of insurance in your vehicle at all times as a physical or digital copy. You also have to present proof to law enforcement upon request.

The penalty for driving without car insurance includes the following:

• $500 fine for the first offense, $1,500 for the second
• Potential up to thirty days in jail
• Possible license suspension
• SR-22 insurance

It might be tempting to drive without car insurance, but you should never take the risk. Getting affordable coverage in Hawaii is usually simple, but you’ll face complicated consequences if you’re caught without coverage.

Hawaii is also one of the few states prohibiting companies from using your credit score to determine your rates. Other factors still apply, but you won’t have to worry about higher rates because of a low credit score.

Do you need SR-22 car insurance in Hawaii?

Hawaii requires drivers to file SR-22 auto insurance after severe traffic violations, like a DUI or driving without insurance. Although you’ll often hear it labeled as insurance, SR-22s are a form. SR-22 forms prove that you carry Hawaii’s minimum insurance.

You might have to file SR-22 insurance for the following traffic violations:

• Driving without car insurance
• DUI conviction
• Driving with a suspended license
• Reckless driving

If you need to get SR-22 insurance in Hawaii, you’ll probably need to file it for three years. However, you don’t need to file your SR-22 insurance yourself. Your insurance company should handle the filing for you to ensure the state receives it.

How do you get SR-22 car insurance in Hawaii?

Getting SR-22 insurance might sound complex, but there’s no need to complicate things. The easiest way to get SR-22 insurance is if you already have a policy.

There is a risk that you’ll be dropped as a customer if you need to get SR-22 insurance, but most companies will work with you. Your rates will increase, and you’ll have to pay a filing fee, but you won’t need to go elsewhere.

If you need a new car insurance policy, getting SR-22 insurance is relatively the same as applying for standard coverage. Make sure to inform the company you’re shopping with that you need SR-22 insurance to get what you need.

Hawaii will suspend your license for a variety of traffic violations, and you’ll need SR-22 insurance to get it back. If you don’t have a car but need to get your license back, you can buy non-owner insurance. Non-owner insurance will satisfy Hawaii’s requirements and covers you whenever you drive someone else’s car.

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Find the Best Car Insurance in Hawaii Today

Hawaiian drivers usually pay less for car insurance, but choosing the right company can help you save even more. USAA, State Farm, and Island Insurance in Hawaii are typically the most affordable options in the Aloha State, but you might see better quotes with another company.

Whether you need minimum insurance, full coverage, or SR-22 insurance, comparing quotes with multiple companies is an essential part of finding affordable rates.

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