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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.

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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 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.


Additional resources

Ross Martin photo
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross has spent the last three years with The Zebra researching and writing insurance content aimed at helping shoppers make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

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 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.