Car Insurance in Hawaii

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  • How Much is Car Insurance in Hawaii?
  • Real Quotes for Jerry.ai Customers in Hawaii
  • The Cheapest Car Insurance in Hawaii
  • Most Popular Insurance Companies in Hawaii
  • Cost to Insure Different Cars in Hawaii
  • Car Insurance Laws in Hawaii
  • Car Registration Information in Hawaii
Looking for car insurance in Hawaii? Here you’ll find all the information you need on driving a car in The Aloha State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Honolulu or Maui — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Hawaii car insurance.

How Much is Car Insurance in Hawaii?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Hawaii, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Hawaii pay ${averageAnnualPremium} each year for car insurance. This means drivers in Hawaii pay ${averageAnnualDiff} the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.

What’s Your Rate?

But how do you know what policy is right for you in Hawaii? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Hawaii, but also on your credit score, marital status, the kind of car you own, and much more.
Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.
The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry.ai Customers in Hawaii

CreatedCarsCustomerInsurance CompanyMonthly premiumAmount savedType of coverage
2021-04-07
  • Ford Mustang
23 year old maleProgressive$50.67$299.33Basic
2021-03-23
  • Ford Mustang
23 year old maleProgressive$232$118Preferred
2021-03-23
  • Ford Mustang
23 year old maleProgressive$209.50$140.50Standard

The Cheapest Car Insurance in Hawaii

Which companies offer cheap car insurance in Hawaii? Below, we’ve ranked Hawaii car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.

Cheapest Car Insurance in Hawaii for Basic Coverage

There’s all kinds of auto insurance you can get in Hawaii, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Hawaii. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Hawaii, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in Hawaii

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RankCompany nameAvg. Annual Premium

Real Jerry Quotes for Basic Coverage in Hawaii

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
2021-04-07
  • Ford Mustang
23 year old maleProgressive$50.67$299.33

Average Cheapest Car Insurance for Standard Plans in Hawaii

Most drivers will want more than the basic minimum coverage that Hawaii requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.
Below you’ll find the average price drivers are paying for standard insurance coverage in Hawaii, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in Hawaii

Filters
RankCompany nameAvg. Annual Premium

Real Jerry Quotes for Standard Coverage in Hawaii

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
2021-03-23
  • Ford Mustang
23 year old maleProgressive$209.50$140.50

Cheapest Car Insurance in Hawaii for Preferred Coverage

Preferred coverage protects Hawaii drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.
We were able to look at the average price drivers are paying for preferred insurance coverage in Hawaii, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in Hawaii

Filters
RankCompany nameAvg. Annual Premium

Real Jerry Quotes for Preferred Coverage in Hawaii

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
2021-03-23
  • Ford Mustang
23 year old maleProgressive$232$118
Insurance companyAverage annual premium in Hawaii

Cost to Insure Different Cars in Hawaii

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Hawaii drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Hawaii. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.
Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-04-07
  • Ford Mustang
23 year old maleProgressive$50.67$299.33Basic
2021-03-23
  • Ford Mustang
23 year old maleProgressive$209.50$140.50Standard
2021-03-23
  • Ford Mustang
23 year old maleProgressive$232$118Preferred

Car Insurance Laws in Hawaii

You’d think that because Hawaii is a series of islands there would be fewer car accidents, but that’s not the case. Statistics show there are roughly 10,000 serious motor vehicle accidents each year in Hawaii, despite its small size. Hawaii is one of the few no-fault states in the U.S., and it has specific laws in place dealing with compensation for a car accident. Here’s what you need to know about required auto insurance coverage in Hawaii.

What Car Insurance Is Required in Hawaii?

All motor vehicles registered to drive on the roads in Hawaii must be insured with a minimum amount of coverage. According to state law, to legally drive a vehicle in Hawaii you must carry Bodily Injury Liability (BIL), Property Damage Liability (PDL), and Personal Injury Protection (PIP).
Hawaii’s status as a no-fault state means that a driver’s PIP coverage will cover their injuries if they are in an accident. Even though it is known as a no-fault state, Hawaii does require divers to have a certain amount of liability insurance as well, which pays the other people involved in an accident you are at-fault for.
BIL covers injuries to the driver and passengers in a vehicle you hit, paying for their medical bills and any lost wages. Problems arise when you don’t have enough liability insurance to cover all of the other party’s injuries. In these instances, the other party in an accident you are at fault for can sue you in court.
In addition to PIP insurance, drivers in Hawaii must have PDL, which pays for any property damage that they might cause in a car accident. This includes damage to the other driver’s vehicle, as well as objects such as poles, signs, and buildings. Just like with BIL, the other driver can sue you for damages in an accident you are at fault for if your insurance does not pay for everything.
Another type of insurance that a driver in Hawaii might consider getting is uninsured motorist coverage. Uninsured motorist coverage, along with underinsured motorist coverage, pays for any medical expenses and property damage from an accident if the at-fault driver does not have insurance or doesn’t have enough coverage to pay for everything.

Can You Drive a Car Without Insurance in Hawaii?

If you plan on registering and driving a vehicle in Hawaii, you must have the required minimum amount of auto insurance coverage. You must be able to show proof of this coverage whenever you’re in an accident or pulled over by law enforcement. Failure to show proof of insurance or not having insurance can result in a variety of penalties and fines.
For a first offense, you face a $500 fine or 75 to 100 hours of community service in lieu of the fine. You will also have your driver’s license suspended until you can provide proof of insurance. Plus, you must file for and keep an SR-22 certificate on file for three years, which means you will be paying a higher insurance premium for that time period.
For a second offense, the fine goes up to $1,500 to $5,000, or 200 to 750 hours of community service. You can also lose your driver’s license for up to one year unless you provide proof of insurance. And you must file for and keep an SR-22 certificate for three years.
If you’re convicted of driving without insurance multiple times within a five-year period, you face paying a fine of $1,500 to $5,000, or 200 to 750 hours of community service. In addition, your registration will be revoked or suspended and you will lose your license for up to one year unless you can show proof of insurance. You also face up to 30 days in jail and will have to file for and keep an SR-22 on file for three years.
If you cannot provide proof of insurance following an accident in Hawaii, then you will lose your license for two years. Furthermore, if you can’t compensate the other driver for the damages resulting from an accident, your vehicle registration will be revoked.

What Are the Minimum Car Insurance Requirements in Hawaii?

To drive a vehicle registered in Hawaii, you are required to have a minimum amount of car insurance. This is to protect you and others if there’s an accident. This insurance helps pay for any medical bills and property damage suffered in an accident.
Minimum Insurance Requirements in Hawaii
  • Bodily injury/per person/per accident: $20,000
  • Bodily injury/per accident: $40,000
  • Property damage liability: $10,000
  • Personal injury protection: $10,000

Car Registration Information in Hawaii

In addition to having the required amount of insurance to drive in Hawaii, you also need to properly register your vehicle. If you’re a new resident in Hawaii, you have 30 days from the time you move to Hawaii to register your vehicle. If you’re already a resident and have a vehicle shipped to the island, you have 30 days from picking it up at the port to register your vehicle. If you buy a vehicle from a private individual, you have 30 days to get it registered.
When registering your vehicle in Hawaii, you can do so in the following ways: in person at a local county office, online, or by mail.
The initial registration fee for a vehicle is based on the county of residence, vehicle weight, and any other fees and taxes. For the most part, the state fee is $45. There is also a state weight tax, which is as follows:
  • 0 to 4,000 pounds: 1.75 cents per pound
  • 4,001 to 7,000 pounds: 2 cents per pound
  • 7,001 to 10,000 pounds: 2.25 cents per pound
  • Over 10,000 pounds: $300 flat rate
On top of this, the state adds a weight tax for the county in which you live, a beautification fee, any county fees, and taxes. Once registered, a vehicle owner will receive two license plates to place on the car, one on the front and one on the rear.
Here is what you need to register a vehicle, the price or fees, and any timing requirements:
  • Hawaii driver’s license
  • Vehicle registration, if brought from out of state; also has the Vehicle Identification Number (VIN)
  • Proof of car insurance
  • Current license plate (if replacing it)
  • Certificate of title (if you own the vehicle)
  • Bill of lading or shipping receipt (if you had the vehicle shipped in)
  • Certificate of safety inspection
  • Vehicle weight (as provided by the manufacturer)

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