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Hawaii Car Insurance

Driving in Hawaii is one of life´s great pleasures. Magnificent views, a gentle driving mentality and general adherence to speed limits keeps the roads safe, the number of accidents at a minimum and car insurance rates much lower than the national average. Indeed, Hawaii was the stand out State in the National Highway Traffic Safety Administration report of 2009 for the low number of vehicle collisions resulting in injury.

Nonetheless, car insurance in Hawaii is compulsory, and there are no alternatives to having Hawaiian auto insurance such as depositing a bond or self-insuring. Hawaii is also a no-fault State – requiring vehicle owners to carry Personal Injury Protection as part of their car insurance coverage. Not only is this a good idea to enable emergency medical care in the event of an accident, it is also in the spirit of Aloha that you will find throughout the State.

Hawaii Car Insurance Requirements

Hawaii has one of the lowest insurance liability limits in the country – a further reason why auto insurance rates are cheaper than the average in the United States – however it is often in your best interests to carry insurance above these minimums. Uninsured/Underinsured motorist insurance will be offered to you when you request a car insurance quote in Hawaii, but this is optional, coverage and not required by law.

Minimum liability limits for auto insurance in Hawaii

$20,000 for injury/death to one person

$40,000 for injury/death to more than one person

$10,000 for damage to property

$10,000 personal injury protection

Hawaii Auto Insurance Laws

When you buy car insurance in Hawaii, you are issued with an insurance card which, at all times, must be carried in your vehicle. Failure to do so will result in a citation if stopped by the police, and regular offenders will accumulate points on their record which may eventually lead to the suspension of your vehicle registration. If you are found not to have auto insurance in Hawaii, your vehicle license plates are removed and you will not get them back until you can show proof of adequate car insurance.

New laws from January 2011 mean that if you are caught driving under the influence of drugs or alcohol (DUI) your licensed will be revoked for a year (longer for repeat offenders). You may be allowed to drive during your revocation if you install an ignition interlock device into your car (like a mobile breathalyzer) but you will need to carry SR22 car insurance for three years after the date of your conviction.

Recommended Hawaii Car Insurance Coverage

There are two things in abundance in Hawaii which are not conducive to safe driving – tourists and alcohol! Drivers from other States may not be familiar with the calm practice of “merging” at road junctions, and could cause accidents by their ignorance. Even though these accidents are not your fault, as the motor vehicle they are driving on their vacations are likely to be carrying the minimum allowable insurance cover, it is recommended that you carry more than $10,000 in personal injury insurance.

The Insurance Research Council also estimates that 12 per cent of drivers in Hawaii are uninsured. With auto insurance in Hawaii being relatively cheap, one can only assume that drivers who do not carry insurance have been suspended for driving violations rather than driving without insurance as an economic measure. As statists show that those who breach highway regulations once are likely to reoffend, it is advisable that you accept the quote for uninsured/underinsured motorist insurance when it is offered to you.

Cheap Hawaii Car Insurance Quotes

The best way to get cheap insurance quotes in Hawaii is to use a car insurance comparison tool like that at the top of the page. You could save hundreds of dollars by shopping around and getting the best deal. If you think the auto insurance quotes you are receiving are a little too high, there are a number of things you can do to reduce the cost of your auto insurance in Hawaii.

First, make sure that your vehicle is secure. There is not a great deal of car theft in Hawaii (see below), however if you fix additional security to your car, the insurance company will look upon it kindly. You can also fit in-car protection which will reduce the severity of your injury if you are ever involved in a road traffic accident in Hawaii (automatic seatbelts and air-bags for example) and, if you are a homeowner, combine your car insurance with your household insurance to get better rates.

Hawaii Car Insurance Ratings

Your car insurance quote in Hawaii will be affected by more factors than just how safe and secure your car is. Although auto insurance in Hawaii is generally cheaper than the national average ($1,440), there are a number of other elements which contribute to your own personal insurance rating.

  • Where You Live – If you live in one of the big cities in Hawaii, you are likely to pay more for your car insurance than if you live in a rural area which does not see so much traffic. There is also more chance that your vehicle will be parked on the road rather than privately garaged
  • Your Age, Sex and Marital Status – Older, female drivers are considered to be more responsible on the roads than their younger, male counterparts. Also, research has shown that married drivers show greater caution on the road.
  • Your Credit Score – Although how you handle your money has no reflection on your driving skills, auto insurance companies in Hawaii believe that if you are responsible with your money, you will be responsible with your car.
  • Your Driving History – As mentioned above, drivers with a collection of traffic violations are more likely to re-offend than those who just get the occasional ticket. This is particularly true of drivers with DUI convictions, and you will pay heavily for having a bad history – even after your period of SR22 insurance has expired.
  • Vehicle Usage – Although you are unlikely to put a lot of mileage onto your vehicle in the course of a year if you live in Hawaii (less than if you live in, say, California), what you use your vehicle for will influence how much car insurance you are asked to pay. Those who use their vehicles to commute will pay more than weekend drivers.

Most Stolen Vehicles in Hawaii

Hawaii is a very quiet State for car theft according to the National Insurance Crime Bureau (NICB), but nonetheless it still occurs. The following is the NICB´s list of the most frequently stolen cars in Hawaii thru 2009, and if your car appears on this list you are likely to pay a higher insurance premium unless you have additional security devices installed.

  1. Honda Civic
  2. Honda Accord
  3. Dodge Caravan
  4. Toyota Camry
  5. Acura Integra
  6. Dodge Ram
  7. Toyota Corolla
  8. Toyota Pick Up 4×2
  9. Dodge Dakota
  10. Nissan King Cab

Where Your Car May Get Stolen in Hawaii

The NICB also publishes a list each year of the 360 districts nationwide which have the worst record for auto theft per capita. Only one district in Hawaii had a sufficiently high level of auto theft to be included on the list, and that was the city of Honolulu – which appeared 64th nationally.

It´s that spirit of Aloha again!

Typical Hawaii Car Insurance Rates

Rates for car insurance in Hawaii vary throughout the State, and even though car insurance companies use pretty much the same criteria to determine your auto insurance quote, two identically rated drivers could be paying different amounts of car insurance in Hawaii because they live in a different town.

These rates below were the average that car drivers in Hawaii paid for their auto insurance in 2009.

Car Insurance in Kahului – $922

Car Insurance in Waipahu – $1,100

Car Insurance in Hilo – $1,164

Car Insurance in Honolulu – $1,226

Car Insurance in Pearl City – $1,353

Car Insurance in Kaneohe – $1,407

Hawaii Car Insurance Companies

There are not as many car insurance companies in Hawaii as in other States, but competition is still fierce. This enables you to compare car insurance rates and then ask for discounts – even when you believe you already have the best auto insurance in Hawaii! Car insurance companies rarely volunteer special deals, so make sure you ask every time!

AIG (now operated by Farmers) First Security Insurance Metropolitan
Allstate Garrison Pacific Specialty
AMEX Assurance GEICO Phoenix
Dongbu Hartford Progressive
DTRIC Hawaiian Insurance & Guaranty State Farm
Fairmont IDS Tradewind
Federal InterInsurance Exchange of United States Fire
First Fire & Casualty the Automobile Club USAA
First Indemnity Insurance Island Insurance Company
First Insurance Company Liberty Mutual

The car insurance companies listed above will all be happy to provide you with a quote for auto insurance in Hawaii. Those which are underlined have been reviewed by us, and you can find out what we feel about their service by clicking on the link. Thereafter, make sure that you use the tool at the top of the page to see how much you could be saving on car insurance in Hawaii.

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