Discover the pros, cons, and details of short-term car insurance in Hawaii.
If you want some flexibility as far as your auto insurance is concerned, you might be interested in a short-term auto insurance policy. Unfortunately, temporary car insurance is hard to come by for a few reasons.
Most large car insurers do not draw up contract terms shorter than six months. Since auto insurance is required by law in most states, there's some risk associated with swapping policies every month. You also risk creating gaps in your record by swapping policies frequently, leading to higher prices in the long run.
Fortunately, car insurance contracts typically last for just a half-year. This allows insurance companies to “re-rate” — or re-price — your costs with your updated driving profile and personal info.
It also stands as the perfect chance to reassess your insurance and shopping other auto insurance companies. Finding quotes online is quick, and there’s no penalty for swapping car insurance companies when your policy period ends — or even mid-policy, as long as you don't let your coverage lapse.
Car insurance's flexible nature makes it relatively simple to buy quickly. If you need an insurance policy to take your new car off the lot, shopping for insurance for a relatively long-term rental or seeking coverage for a vehicle you don't own but regularly drive, consider purchasing a standard policy and cutting the term short as needed.
See below average car insurance premiums in Hawaii, ordered by popular companies and major cities. If your premiums exceed the rates listed below, consider other options.
| Insurance Company | Average 6-Month Rate | Average Monthly Rate |
| Hawaii State Average — All Companies | $523 | $87 |
| State Farm | $645 | $108 |
| USAA | $648 | $108 |
| GEICO | $684 | $114 |
| Progressive | $755 | $126 |
| Allstate | $987 | $165 |
The cheapest option for single-month auto insurance in Hawaii is State Farm, through which you can save $1 per month, compared to the second-cheapest option, USAA. In Hawaii, the average monthly cost of car insurance is $87, or $523 over a six-month period.
Where you live can have as large an effect on your insurance premiums as your choice of insurance company. Auto insurance companies weigh the number of local insurance claims when assigning prices by ZIP code. View insurance premiums in major Hawaii cities and compare the amount you pay.
| City | Average 6-Month Rate | Average Monthly Rate |
| Honolulu | $525 | $87 |
| Pearl City | $522 | $87 |
| Hilo | $561 | $93 |
| Kailua | $522 | $126 |
| Waipahu | $789 | $132 |
Because so many factors are involved in setting insurance rates, your quotes may not match the totals displayed above. If your current costs don't match those listed above, consider taking a moment to compare quotes. The temporary nature of a car insurance agreement increases the importance of remaining informed and willing to shop.
Find out more about temporary auto insurance or use The Zebra to compare policies for free online.
