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.
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Compare rates from the best insurance companies 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.
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||$108||9.06%|
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.
|Age||Annual Rate with Parents||Annual Rate Alone|
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 Factor||Annual Rate||% Increase|
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 Company||Claims Satisfaction (J.D. Power)||Financial Strength (A.M. Best)|
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.
|Location||Liability-Only||Comprehensive — $1,000 Deductible||Comprehensive — $500 Deductible|
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.
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.
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.
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.
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.
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.
|Rank||City||Avg. Annual Premium|
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:
You are speeding in Hawaii if your speeds exceed:
Drivers must beware of and follow posted speed limits as well, as speed limits may be changed or altered in specific areas and jurisdictions.
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.
Distracted driving in Hawaii constitutes any act that diminishes a driver’s ability to focus on the act of driving safely, including:
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.”
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.
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.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$5,378||397%||$4,296|
|Refused Breathalyzer/Chemical Test||$5,316||392%||$4,235|
|Driving with a Suspended License||$5,279||388%||$4,198|
|Driving with an Open Container||$1,555||44%||$474|
|Operating a Vehicle Without Permission||$1,183||9%||$102|
|Passing a School Bus||$1,255||16%||$174|
|Following Too Closely||$1,191||10%||$109|
|Failure to Stop at a Red Light||$1,183||9%||$102|
|Driving Wrong Way/Wrong Lane||$1,191||10%||$109|
|Failure to Yield||$1,191||10%||$109|
|Speeding in a School Zone||$1,191||10%||$109|
|Driving Too Slowly||$1,191||10%||$109|
|Driving with Expired Registration||$1,096||1%||$15|
|Failure to Show Documents||$1,103||2%||$22|
|Failure to Use Child Safety Restraint||$1,103||2%||$22|
|Failure to Wear a Seat Belt||$1,103||2%||$22|
|Driving Without Lights||$1,081||0%||$0|
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.
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.
The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.
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.
Your original video should not exceed 2 minutes
The video must be hosted on YouTube or Vimeo
Email your submission to email@example.com
your name, address, and phone number when you submit
Selected winner(s) will be awarded a check for $1,000
Applications must be received by 11:59 p.m. CST on December 31st, 2019
Winner(s) will be selected and notified by email by January 31st, 2020
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.
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.
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