Beautiful Hawaii can be a fun place to drive in. But be forewarned, if you want to drive a motor vehicle in this picturesque state, you need to be properly insured.
The Best Car Insurance Companies in Hawaii
Hawaii, like all states in the US, is served by some of the country’s largest insurance companies. The same insurance companies that serve the mainland will serve drivers in Hawaii. Of course, you can also find specialized quotes from providers within Hawaii, which is why it’s so important to compare quotes when shopping around.
Drivers in Hawaii, for example, can find great auto insurance rates with companies like MetLife, USAA, AAA, Hartford, GEICO, Allianz, AIG, Allstate, Progressive, Liberty Mutual, and State Farm. However, you can also find smaller insurance companies serving the islands, including American Automobile Insurance, Fireman’s Fund, Chubb, Travelers, Bankers Insurance, Ameriprise, North River Insurance Company, Dongbu Insurance (USB), DTIC Insurance, Zurich Insurance Group, and Tokio Marine Specialty Insurance. In addition to these companies, island-based car insurance companies include Hawaiian Insurance & Guaranty and Island Insurance.
Recommended Car Insurance Coverage in Hawaii
Drivers in Hawaii are required to have liability coverage and personal injury protection (PIP) coverage. Hawaii is a no-fault state, which means if you’re involved in an accident, then you’ll automatically be covered for your injuries and any injuries suffered by your passengers, up to your policy’s limits, by your own insurance company.
Hawaii drivers are required to carry a minimum PIP limit of $10,000. Additionally, drivers must carry $20,000 in bodily injury coverage liability per person, $40,000 for total bodily injury coverage per accident, and $10,000 of property damage liability coverage.
Which Islands Pay the Cheapest Rates for Car Insurance?
Insurance rates vary between islands. Overall, drivers in Hawaii pay some of the cheapest insurance rates in the country. After all, Hawaii has fewer miles of road than most other states in the country. Overall, drivers across the islands pay about $400 to $500 per year for car insurance.
Generally speaking, you’re going to pay more for car insurance in a more urbanized part of the state than in a more rural part of the state. That’s why drivers on Oahu will pay more for car insurance than drivers on, say, Kauai. Drivers on the Big Island can expect to pay less for car insurance than drivers on Maui. Overall, however, car insurance rates are very similar across the islands – so don’t expect to save much when comparing quotes between islands.
Car Insurance for Teen Drivers in Hawaii
Teen drivers in Hawaii require car insurance when driving on a full license. However, you do not require car insurance when driving on a learner’s permit – assuming you’re driving a family vehicle according to the rules of your learner’s permit. Overall, you can expect car insurance prices to increase significantly when adding a teen driver to your car insurance plan in Hawaii. However, by comparing quotes across providers, you can significantly reduce your costs.
Hawaii Auto Insurance Requirements
As a driver in a “No-Fault” state, such as Hawaii, when you are involved in an auto accident, your Personal Injury Policy, or PIP (required by law to carry at least $10,000), will pay for your own medical expenses (up to the covered amount) while the other driver’s PIP will cover their personal medical expenses, regardless of who is at fault. However, your ability to sue the other party, unless the injuries are severe, is pretty much gone.
To cover property damages, you are required to carry liability insurance with minimum levels of 20/40/10 (see the chart below).
Hawaiian motor vehicle operators may increase their PIP policy to cover lost wages, alternative medical benefits, as well as death and funeral coverage.
Additional add-ons for asset protection are also optional for Hawaiians to purchase, such as collision, comprehensive, and/or uninsured and underinsured motorist bodily injury coverages.
|Coverage Type||Required?||Minimum Coverage Amount Required|
|Bodily Injury Liability||Yes||$20,000 per person
$40,000 per accident
|Property Damage Liability||Yes||$10,000|
|Uninsured Motorist Bodily Injury||No||$20,000 per person
$40,000 per accident
|Underinsured Motorist Bodily Injury||No||$20,000 per person
$40,000 per accident
Auto Insurance for Leased Vehicles in Hawaii (HI)
Most leasing companies in Hawaii typically require drivers to maintain insurance coverage which exceeds the minimums set by Hawaii state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage for a leased vehicle:
- Bodily injury liability coverage: $100,000 per person/$300,000 per accident
- Property damage liability coverage: $50,000
- Comprehensive and collision coverage: $500 maximum deductible
State of Hawaii Department of Commerce & Consumer Affairs: Insurance Division
PO Box 3614
Honolulu, HI 96811