Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

Author profile picture

Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

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.

Start saving today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Short-term auto insurance in Hawaii

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 view your 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 get free quotes from multiple companies online.


Additional resources

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.