Temporary Car Insurance in Hawaii

If you are seeking flexible car insurance, you could consider a temporary car insurance policy. Truth is, short-term car insurance agreements are uncommon for a few reasons.

First, many insurers don’t offer contracts for periods shorter than six months. As auto insurance coverage is required by law in most US states, swapping policies by the month can be risky. You also run the risk of having lapses in your auto insurance record by moving between policies frequently, leading to higher rates down the road.

Good news: car insurance policies typically last for only six months. This hasty turnaround allows insurance companies to frequently “re-rate” — or re-price — your policy with your current driving history and personal info.

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It also gives you a perfect opportunity for you to reset your situation by checking out a new insurer. Retrieving quotes on the Internet is painless, and there’s no penalty for moving between auto insurance companies at the end of your policy — or even in the middle of your policy term, as long as your insurance doesn't lapse.

The flexible nature of car insurance makes it relatively easy to buy quickly. If you're required to get a policy to drive a new vehicle off the lot, shopping for insurance for a longer-term car rental, or seeking coverage on a vehicle you don't own but drive often, consider purchasing a half-year policy and cutting the agreement short as needed.

Temporary auto insurance in Hawaii

See below typical car insurance costs in Hawaii, organized by major insurers and major cities. If your costs exceed what you see below, consider shopping around.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Hawaii State Average — All Companies$540$90
State Farm$492$82

The most affordable option for single-month auto insurance in Hawaii is USAA. In Hawaii, the average monthly cost of auto insurance is $90, or $540 over a six-month period.

Where you live has just as large an influence on your insurance rates as as your choice of insurance company. Car insurance companies weigh the frequency of claims in a given area when pricing policies by ZIP code. See below insurance prices in major Hawaii cities and compare against what you pay.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Pearl City$513$86

If your premiums exceed the above, take some time to compare rates. The short-term nature of a car insurance agreement increases the importance of staying in-the-know and willing to shop.

Find out more about temporary car insurance or use The Zebra to compare rates today.

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Additional resources

Learn more about weekend-only car insurance.

Is it possible to get car insurance with no credit history?

Find cheap auto insurance for new drivers.

Check out the best car insurance options for teen drivers.

Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.