Hawaii is a vacation destination for millions of American tourists every year, but the islands are also home to nearly 1 million local drivers. In some regions of the scenic state, the curvy topography in combination with thrill-hungry visitors can make for dangerous driving.
Tourists, paired with Hawaii’s “no-fault” car insurance system, means it can be difficult finding affordable car insurance in paradise.
The best way to get cheap car insurance is to compare quotes and carriers. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another, even within the same state.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Hawaii. If you want to learn more about Hawaii’s car insurance rates, then read on.
In Hawaii, people are required to have the following minimum coverages:
$[20,000] bodily injury liability per person
$[40,000] bodily injury liability per accident
$[10,000] property damage liability per accident
$[10,000] personal injury protection (PIP)
Failing to meet the required minimums while driving in Hawaii is illegal. If you get caught, you could be subject to license suspension, fines, and vehicle impoundment.
Remember, the minimum insurance coverage is a requirement, not a recommendation. It’s illegal to drive without the coverage described above!
Be aware that, in some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
First, let’s go over how much Jerry users pay for minimum liability car insurance in Hawaii:
Additional coverages you might want to consider when shopping for car insurance in Hawaii
Coverage to consider
Approximately 11% of drivers in Hawaii drive uninsured. Uninsured motorist protection helps cover any damages incurred as a result of an accident with a driver who doesn’t carry insurance.
Flash floods & landslides
Comprehensive insurance will cover physical damage to your car, including from a severe weather event like flash flooding or landslide.
Roadside assistance can be helpful if you’re driving on Hawaii’s many mountain or back roads and require help. This coverage can provide towing services, locksmith services, tire changes, and battery boosts.
Hawaii is generally an affordable place to drive, but it does present unique risks due to its rural status, weather patterns, and dangerous roads. Before purchasing car insurance, make sure you consider additional coverage to protect you and your passengers from unexpected costs.
Best carriers for minimum coverage car insurance in Hawaii
Driving without insurance in Hawaii comes with some big penalties. If you’re caught, you’ll be subject to fines, suspension of your license and registration, and even potential imprisonment.
Comparing rates with different insurance companies can help you find the most affordable rates so that you don’t have to go without.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Hawaii:
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing less in the long run).
Full coverage car insurance is a smart choice for drivers who want to protect their financial security in the face of risk. In Hawaii, you never know what the road might throw at you. Monsoon rains can be dangerous—but meandering chickens can be, too!
Yes, you can expect to pay slightly more for full coverage insurance policies. However, the protection and peace of mind you get in return will be absolutely worth it.
Full coverage car insurance policies generally include:
While minimum liability coverage and PIP are enough to let you drive legally in Hawaii, full coverage offers stronger protection and can provide peace of mind. Choose a company that offers the protection you need and service you can rely on.
Insurers value driving experience. The younger you are, the less experience you have, which will likely be reflected in higher insurance premiums.
If you’re a young driver in the Aloha State, here’s what you need to know.
While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record. No matter your age—whether you live in rural Hawaii or move to a city like Honolulu or Hilo—start by quote shopping with Jerry.
Cost of insurance for drivers in Hawaii with a bad driving record
Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
In Hawaii, insurance companies have access to all your traffic offenses within the last five years. If you commit another violation within that period, it will be considered a second offense and you’ll be hit with even more serious penalties.
But there’s good news! Jerry can help Hawaii drivers find great car insurance even with a blemish on their driving record.
The price you pay for car insurance is influenced by your age and your driving record. Safe drivers typically get lower rates, but it’s still possible to find affordable insurance in Hawaii if you have a traffic violation on your record.
Young drivers are considered high risk by insurance companies. A moving violation increases this perception.
Types of discounts that might be available to you in Hawaii
Never underestimate a good discount. If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Hawaii. Here are some to keep an eye out for:
Customer loyalty (e.g. bundling, early renewal)
Demographic (e.g. good student, senior)
Driver affiliations (e.g. military, affinity)
Driving history (e.g. accident-free, safe driver)
Driver training (e.g. defensive driver course)
Equipment-related (e.g. anti-theft, new car)
Payment (e.g. auto-pay, paperless)
Who is eligible?
Green vehicle discounts
If you drive an electric or hybrid vehicle, you could be eligible for a discount on your car insurance premium. Make sure to research tax credits, too.
Driver education discounts
Older Hawaii drivers who refresh their driving knowledge can get a 5-10% discount on their premium. Ask your insurance company about approved courses. Usually, it’s as simple as taking an online course.
Bundling your policies
Get your car and home policies from the same company and you could enjoy a reduced premium.
Paperless billing and automatic payments
Enroll in paperless billing and you could qualify for a discount between 2 and 25%.
Safe driver discount
Have you been accident-free for several years? Hawaii drivers with a good record can usually get a “safe driver” discount. If you’ve never had a crash or a speeding ticket, ask about this discount. You may have to wait six months to prove that you’re a safe driver.
So, how do you know which discounts you can actually benefit from?
Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium—often, more than one!—but you may need to ask your insurance company which ones you qualify for.
How much does it cost to insure my car make in Hawaii?
If you drive a relatively inexpensive car or truck, you can generally expect to pay lower insurance premiums. This is because it will cost less to repair or replace a common model than a rare and expensive vehicle.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident. Usage-based car insurance policies reward these drivers with discounts.
Here’s what Hawaii drivers can expect to pay to insure some popular car makes/models with and without Jerry:
Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Hawaii’s urban centers may offer exciting activities, but they’re also hotspots for traffic accidents and wandering pedestrians.
Generally, areas with lower population density tend to have lower insurance rates. This can help bring down the monthly payment for rural Hawaii drivers. However, urban dwellers—the majority of Hawaii drivers—can expect to pay slightly more.
Here are the cheapest cities for car insurance in Hawaii:
Additional ways to lower your car insurance
To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.