Information About Hawaii Car Insurance Coverage
As the largest auto insurer in Hawaii, GEICO is ready to help you get a fast and free car insurance quote to make sure you meet the minimum requirements for Hawaii auto insurance coverage. Whether you're driving to the summit of Mauna Loa or to a hidden gem like Makalawena Beach on the Big Island, you're going to need a Hawaii car insurance policy. GEICO has you covered with affordable coverage that comes with great customer service. So whether you're buying a new car, getting a quote or just looking to switch to GEICO, we've got the information you need to make the right decision. And don't forget, you can a car insurance quote online.
Hawaii Auto Insurance Coverage Requirements
Here are the minimum Hawaii auto insurance coverage requirements for the legal operation of an automobile in the state:
- Bodily injury liability coverage: $20,000 per person and $40,000 per accident
- Basic personal injury protection: $10,000
- Property damage liability coverage: $10,000
- Uninsured/underinsured motorist: $20,000 per person and $40,000 per accident*
*Uninsured/underinsured motorist coverages can be rejected in writing.
Driving in Hawaii
As you might expect, driving in Hawaii can be much different from driving in other U.S. states. Luckily, Hawaii's Department of Transportation offers the Hawaii Driver's Manual, one of the most exhaustive guides to driving of any state. In it, Hawaiians can find information on licensing laws, traffic rules, and even suggestions for safe driving.
What Parents Should Know Regarding Teen Driving In Hawaii
Hawaii makes use of a graduated licensing system. Six months after a teen's 15th birthday, they may apply for a learner's permit. They must be accompanied by a licensed driver over the age of 21 when practicing, or a parent or guardian if driving between the hours of 11:00 PM and 5:00 AM. Between the ages of 16 and 18, a teen may apply for a provisional license. A teen with a provisional license cannot transport more than one passenger under the age of 18, and cannot drive between 11:00 PM and 5:00 AM. Teens can receive a full license at age 17 if all conditions of the provisional license have been met.
Note that moving violations or at-fault accidents for drivers under age 18 may lead to remedial restrictions including passenger limits, night-driving limits, or suspension of driving privileges.
Hawaii Registration Information
Hawaii does not have a statewide Department of Motor Vehicles. Vehicle Registration is managed by each county government.
For information please contact the local county government:
FAQs
The cheapest car insurance company in Hawaii is Geico at $1,359 per year on average, or $113 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Hawaii.
Who pays the cheapest car insurance? ›
State enrolled nurses also benefit from lower premiums, and groups such as magistrates and teachers also tend to pay less than average. Historically, women were deemed to be safer drivers than men and paid less for car insurance for women as a consequence.
Does State Farm cover car insurance in Hawaii? ›
From Honolulu to Maui to Kona, State Farm® has you covered! We can help you save money on your car insurance through a variety of great discounts. Take a look at the discounts available in Hawaii.
What is the cheapest full coverage insurance in Hawaii? ›
Cheapest car insurance in Hawaii for full coverage
| Insurance Company | Average monthly premium | Average annual premium |
|---|
| USAA | $98 | $1,173 |
| Allstate | $123 | $1,474 |
| Geico | $127 | $1,526 |
| Island | $143 | $1,717 |
1 more rowBest car insurance companies in Hawaii
| Insurance company | Bankrate score | Average min coverage rate |
|---|
| Geico | 4.4 Rating: 4.4 stars out of 5 | $310 |
| USAA | 4.2 Rating: 4.2 stars out of 5 | $264 |
| State Farm | 4.3 Rating: 4.3 stars out of 5 | $617 |
| Allstate | 3.9 Rating: 3.9 stars out of 5 | $453 |
1 more rowBoth Geico and Progressive offer cheap car insurance to drivers across the country. Geico's rates are typically lower overall, but Progressive tends to offer better prices to high-risk drivers. High-risk drivers are those with a recent DUI, at-fault accident or speeding ticket on their driving record.
At what age is car insurance cheapest? ›
Car insurance is the cheapest for drivers between the ages of 35 and 55. Car insurance is very expensive for teens because they have a high risk of accidents, and then it decreases sharply as drivers age into their 20s and develop more reliable driving habits.
Can anyone get USAA insurance? ›
USAA is a solid choice for auto insurance with high customer satisfaction levels and top financial ratings. However, you must be a member of the military, or a family member, to benefit from its services. You must be a member of the military or a family member to join USAA.
Does having your car paid off make insurance cheaper? ›
Simply paying off your car won't lower your premiums, but getting rid of some of the required coverage might. For example, you may no longer need gap insurance, which pays the difference between your car's loan and its decreased value if your car is totaled and is required by some lenders when financing.
Which car insurance is best? ›
| Car Insurance Company | Motor OD Claim Settlement Ratio FY23 | |
|---|
| Magma HDI Car Insurance | 97.10% | Check Premium |
| Raheja QBE Car Insurance | 92.00% | Check Premium |
| Tata AIG Car Insurance | 91.80% | Check Premium |
| National Car Insurance | 93.00% | Check Premium |
20 more rowsWhy Is My Car Insurance So High? Your car insurance may be expensive because of your driving history, location, vehicle or credit history. Recent insurance claims and violations can increase your rates for three to five years. On the other hand, it's possible you also just have a more expensive car insurance company.
What is the most common insurance in Hawaii? ›
Best health insurance companies in HI
Although Kaiser Permanente offers the lowest prices and highest-quality plans, HMSA is the most popular health insurance company in Hawaii. It sells just over 60% of all health plans for the state.
What is the average car insurance in Hawaii? ›
Average Car Insurance Costs in Hawaii (2024)
Although the average car insurance cost in Hawaii is $797 per year, actual rates differ depending on the desired level of coverage and driving history. Hawaii drivers can expect to pay the following average costs: Clean record: $797 per year. Speeding ticket: $979 per year.
What happens if you don't have car insurance in Hawaii? ›
The penalties of driving without insurance, if convicted, may include heavy fines, suspension of your driver's license, surrendering of your registration certificate and license plates, and possible imprisonment.
How much is car insurance in Hawaii per month? ›
Key takeaways
The average monthly cost of car insurance in Hawaii is $137 for full coverage and $34 for minimum insurance. Average rates for full coverage in Hawaii are 29 percent less than the national average.
What is the average car insurance payment in Hawaii? ›
The average car insurance rate in Hawaii is $152 per month or $1,819 per year for full coverage. For minimum liability coverage, drivers in the Aloha State pay an average of $52 per month or $625 per year.
Why is Hawaii car insurance so cheap? ›
Car insurance costs are cheaper in Hawaii than in other states. This is because non-driving rating factors that normally increase premiums, like your age and credit score, are disregarded. However, factors particular to Hawaii — like the fact that it's a no-fault state — can increase rates.
