Cheap Hawaii Car Insurance

Compare rates from the best insurance companies in Hawaii.

Location pin icon
Your information is secure.

Here's what you need to know when driving in Hawaii

Across the Aloha State, there are 9,523 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

 


 

Cheap Car Insurance

What's the cheapest car insurance in Hawaii?
RankCompany NameAvg. Annual Premium
1USAA$945
2State Farm$1,098
3GEICO$1,362
4Liberty Mutual$1,435
5Progressive$1,592
6Allstate$1,945
7First of Hawaii$1,967
8AIG$2,421

Find auto insurance today!

Location pin icon
Your information is secure.

 

Cheap Insurance for Good Drivers in Hawaii

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Hawaii drivers don't enjoy much of a rate discount for staying safe on the roads, as a lack of traffic tickets is rewarded by just a 9% price cut, compared to 17% nationally. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor$ Savings% Savings
No Traffic Tickets$1089.06%
No Accidents$41327.66%
Good Credit$00.00%

Cheap Insurance for Young Drivers in Hawaii

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. Hawaii is a relatively affordable state for teen drivers: the typical teen driver pays $1,946 per year — about $3,000 less than the national average for teens and only about double the average premium for all Hawaiian drivers.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$2,744$1,253
17$2,744$1,128
18$2,744$1,111
19$2,744$1,102

Cheap Car Insurance for Bad Drivers in Hawaii

If you have no at-fault accidents, speeding tickets, or DUIs, you can save money on car insurance. As insurance companies use your driving record as a way to predict the level of risk you present, keeping your driving record clean will lead to lower premiums. It's especially important to avoid DUI citations in Hawaii, the state with the largest insurance rate penalty after a DUI (79%). Conversely, speeding tickets and at-fault accidents carry lower-than-average rate hikes in Hawaii (9% and 27%, respectively).

Rating FactorAnnual Rate% Increase
At-Fault Accident$1,49327.66%
DUI$5,38979.97%
Speeding Violation$1,1879.06%
Bad Credit$1,0800.00%

What are the Best Car Insurance Companies in Hawaii?

Each car insurance company boasts about its affordable costs. But just like with any product, the cheapest car insurance isn't always the best option. Considering what's at stake, it's worth doing your research to obtain an auto insurance policy that can cover your car completely after a collision. Be on the lookout for a great value, instead of settling for the cheapest auto insurance in your state.

Review top auto insurance companies' financial strength and claims satisfaction levels to better understand the level of service they'll provide. Claims satisfaction — assigned by J.D. Power — is rated on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Poor" to "Superior" — determines an insurer's financial strength and ability to fulfill its policy and contractual obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
AIGNot RatedExcellent
Allstate3Superior
GEICO3Superior
Liberty Mutual3Excellent
Progressive3Superior
State Farm3Superior
USAA5Superior

 

Compare rates!

Location pin icon
Your information is secure.

 

What is the Best Car Insurance Coverage in Hawaii?

The legal minimum car insurance in Hawaii is $20,000 Bodily Injury per person, $40,000 Bodily Injury per accident, and $10,000 Property Damage per accident.

If you choose the minimum allowed coverage in Hawaii, expect to owe an average of $516 annually. This is more affordable than the U.S. average by 21%. If you elect better car insurance coverage, you can select a policy with comprehensive and collision coverage, which will protect against damages caused by car-on-car collisions, theft, or weather incidents. It's worth noting that better coverage carries a cost: in Hawaii, a comprehensive policy with a $1,000 deductible runs $924, 79% more than liability-only car insurance. For comprehensive coverage with a $500 deductible, you can expect to pay 108% more than you would for a liability-only policy.

Analyze typical rates for basic, better, and best coverage levels below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Hawaii$516.41$924.28$1,072.01
National Average$657.66$1,241.26$1,397.94

Car Insurance Laws

State minimum insurance requirements in Hawaii

In Hawaii, the state minimum coverage requirements are as follows:
Liability
  • Bodily Injury $20,000 per person
  • Bodily Injury $40,000 per accident
  • Property Damage $10,000 per accident
Personal Injury Protection (PIP)
  • $10,000 per person
Optional coverage in Hawaii (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Wage Loss
  • Death and Funeral Expense
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

Liability coverage is legally required and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Hawaii, the minimum is listed as 20/40/10 and explained below:

$20,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$40,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. Although Hawaii is considered a “no-fault” state, drivers can still file lawsuits in the event of medical costs exceeding a $5,000 cap or serious injury or death resulting from an auto accident. Since work loss isn’t included on PIP, it should be considered as an “add-on” to your policy to better protect yourself in the event of an accident.

These numbers reflect the minimum limits required in Hawaii but higher coverage amounts are available with most companies.

Hawaii is a no-fault state!

What does this mean for you?

Put simply, a no-fault insurance law system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. As an added perk, It guarantees every driver immediate medical treatment in the event of an accident.

Hawaii Car Insurance FAQs

Is Hawaii a no-fault auto insurance state?

Yes. Hawaii is a no-fault state. Every driver is responsible for their own medical bills after a car collision, regardless of fault. In order to cover for this expense, every driver is required to carry Personal Injury Protection (PIP), which provides necessary bodily injury coverage after an accident.

Can you get car insurance without a license in Hawaii?

Although there is no state law in Hawaii regarding buying car insurance without a license, it is generally considered a difficult task. Your driver's license is an insurance company's view into your previous driving history. Without this, an insurer might view you as a high-risk driver and thus increase your premium. The best way to find car insurance in Hawaii without a license is to speak directly to an insurance agent.

Is new car theft insurance required in Hawaii?

There isn't a specific "theft" coverage — it's included in comprehensive coverage. Whether or not comprehensive coverage is required will depend on the nature of your car ownership. If you have a lease or loan on the vehicle, you are required to carry comprehensive, collision, and potentially gap coverage on the vehicle. 

How much does car insurance cost in Hawaii cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Wailuku, Hawaii, and the most expensive in Hilo, Hawaii.

RankCityAvg. Annual Premium
1Hilo$1,173
2Royal Kunia$1,090
3Ewa Beach$1,090
4Honolulu$1,084
5Halawa$1,084
6Schofield Barracks$1,082
7Kapolei$1,080
8Kailua$1,080
9Pearl City$1,080
10Kihei$1,046
11Kahului$1,046
12Ewa Gentry$1,036
13Makakilo$1,036
14Waipahu$1,036
15Kaneohe$1,026
16Mililani Town$1,026
17Mililani Mauka$1,026
18Waimalu$1,026
19Waianae$1,026
20Wahiawa$1,026
21Nanakuli$1,026
22Lahaina$1,006
23Wailuku$1,006

Recent Hawaii Car Insurance Questions and Answers

Do I have to prove a driver was uninsured?

I got hit by an uninsured motorist but I’m not sure how to file a claim for this. I don’t ...

MAR 25, 2018
|
HONOLULU, HAWAII
Should I file an insurance claim?

Over a year ago I hit a tree and damaged the trunk of my car. The repair quote I got ...

AUG 18, 2017
|
HONOLULU, HI
Can I buy a policy for two drivers and one car so that we aren’t penalized for each other’s driving history?

I am moving from Hawaii to Minnesota in September with a roommate. We plan on buying a cheap used car ...

JUL 19, 2016
|
MINNEAPOLIS, MN

Driving Laws

Hawaii Texting and Driving Laws

  • Ban on hand-held cell phones
  • Ban on all cell phones for drivers <18 years
  • Ban on text messaging for all drivers

Hawaii DUI Laws

Hawaii’s lookback period is five years. Multiple DUI offenses within this period enhance the penalties of driving under the influence.

First-time DUI offenses in Hawaii lead to:

  • Generally no jail time, but the possibility of two to five days in jail
  • $150 to $1,000 in fines
  • Up to one year license revocation $25 fee toward a neurotrauma special fund
  • $25 fee toward a trauma system special fund
  • Possibility of 72 hours of community service
  • Possibility of participation in a substance abuse program
  • Vehicle is impounded

Hawaii Speeding Regulations

You are speeding in Hawaii if your speeds exceed:

  • 25 miles per hour in school zones when children are present
  • 35 miles per hour if driving a moped
  • 45 miles per hour on freeways through central Honolulu
  • 55 miles per hour on all other freeways
  • 60 miles per hour on Interstate H-1 between Kapolei and Waipahu
  • 60 miles per hour on Interstate H-3 between the Tetsuo Harano Tunnels and the H-1 junction

Drivers must beware of and follow posted speed limits as well, as speed limits may be changed or altered in specific areas and jurisdictions.

Hawaii Reckless Driving Rules

Reckless driving in Hawaii entails operating a vehicle or riding an animal “recklessly in disregard of the safety of persons.”

Reckless driving doesn’t necessarily involve injury to another person or property. You may be considered guilty of reckless driving in Hawaii for simply posing a risk to others. As a result, actions such as excessive speeding or disobeying traffic laws and the rules of the road may lead to a reckless driving charge.

What is Considered Distracted Driving in Hawaii?

Distracted driving in Hawaii constitutes any act that diminishes a driver’s ability to focus on the act of driving safely, including:

  • Eating
  • Grooming
  • Talking to passengers
  • Using a GPS or other wireless device
  • Changing the radio station or volume

What Counts as Racing in Hawaii?

Racing in Hawaii involves “the use of one or more vehicles in an attempt to outgain, outdistance, or prevent another vehicle from passing, to arrive at a given destination ahead of another vehicle or vehicles, or to test the physical stamina or endurance of drivers over long distance driving routes.”

At-Fault Accident Designations in HI

Hawaii is a no-fault state when it comes to car accidents. This means you’ll rely on your personal injury protection insurance for compensation for medical bills and other losses following an accident. However, in some cases, you may be able to bring a claim against another driver involved in an accident.

How Do Tickets Impact Car Insurance Rates in Hawaii?

If you get a ticket, your auto insurance costs may rise. How much your rates rise depends on the severity of the violation, your insurer's pricing standards, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at car insurance costs in Hawaii after a few common citations.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$5,378397%$4,296
Refused Breathalyzer/Chemical Test$5,316392%$4,235
DUI$3,694242%$2,613
Racing$2,330116%$1,249
Reckless Driving$5,301390%$4,220
Driving with a Suspended License$5,279388%$4,198
At-Fault Accident$1,39729%$316
Driving with an Open Container$1,55544%$474
Operating a Vehicle Without Permission$1,1839%$102
Passing a School Bus$1,25516%$174
Improper Passing$1,19110%$109
Following Too Closely$1,19110%$109
Speeding$1,19310%$112
Failure to Stop at a Red Light$1,1839%$102
Illegal Turn$1,19110%$109
Driving Wrong Way/Wrong Lane$1,19110%$109
Failure to Yield$1,19110%$109
Speeding in a School Zone$1,19110%$109
Driving Too Slowly$1,19110%$109
Distracted Driving$1,1759%$94
Driving with Expired Registration$1,0961%$15
Failure to Show Documents$1,1032%$22
Not-at-Fault Accident$1,0810%$0
Failure to Use Child Safety Restraint$1,1032%$22
Failure to Wear a Seat Belt$1,1032%$22
Driving Without Lights$1,0810%$0

Hawaii Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Hawaii area, while also getting an insider view of the Aloha State.

Prompt

So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destrination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2019

Notification

Winner(s) will be selected and notified by email by January 31st, 2020

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.


Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.

Chevron left icon
How to Update Your Driver’s License When You Move to a New State
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017

Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...

Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017

  Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...

Digital Insurance Cards: Which States Accept Them?
Digital Insurance Cards: Which States Accept Them?
May 19, 2017

You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...

Car Insurance for First-Time Drivers: 6 Things You Should Know
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017

A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...

Driverless Car Laws by State
Driverless Car Laws by State
Mar 16, 2017

While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...

How Does the Government Affect What You Pay for Car Insurance?
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017

  With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...

What You Need to Know about Getting High and Driving in 2017
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017

Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....

4 Consequences of Driving without Insurance
4 Consequences of Driving without Insurance
Jan 27, 2017

If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...

The Rundown on “No Refusal” Weekends
The Rundown on “No Refusal” Weekends
Dec 20, 2016

The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...

How Long After a Car Crash Can You File a Claim?
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016

Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...

What’s the Most Expensive Traffic Ticket in Your State?
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016

If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...

Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016

We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...

Driver’s License Points: Do They Matter?
Driver’s License Points: Do They Matter?
Sep 23, 2016

In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...

Who Pays More for Car Insurance: Democrats or Republicans?
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016

Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...

Which States Have the Cheapest Car Insurance?
Which States Have the Cheapest Car Insurance?
Aug 02, 2016

Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...

Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016

Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...

Study: Poor Credit Will Cost You Double for Car Insurance
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016

Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...

Chevron right icon