Table of Contents:
- Hawaii Auto Insurance Costs by Insurer
- Hawaii Auto Insurance Premiums by Driver Age
- Hawaii Car Insurance Premiums by Gender and Marital Status
- Average Hawaii Insurance Rates After a Violation or Accident
- Hawaii Auto Insurance Premiums by Credit Tier
- Cheaper Hawaii Cities
- List of Insurance Companies in Hawaii
- No-Fault Insurance in Hawaii Information
- Driving in Hawaii
- Frequently Asked Questions
Hawaii Auto Insurance Costs by Insurer
AutoInsurance.org reports an overall average monthly cost of $203 for Hawaii drivers who purchase only minimum liability coverage. The website also found that State Farm offers the most affordable minimum policies for drivers in the Aloha State.
Nerd Wallet lists these full coverage average annual policy prices for a 30-year-old driver:
- Allstate: $1487
- GEICO: $985
- Island Insurance: $1377
- State Farm: $950
Hawaii Auto Insurance Premiums by Driver Age
According to data from WalletHub, Hawaii drivers pay these annual average insurance premium prices at various ages:
- Age 16: $7001
- Age 25: $1768
- Age 45: $1490
- Age 65: $1424
Hawaii Car Insurance Premiums by Gender and Marital Status
Unlike many other U.S. states, Hawaii does not allow insurance companies to provide policies based on customer gender according to Nerd Wallet. In addition, The Zebra reports that Hawaii drivers pay about the same rates whether they are single, married, divorced, or widowed.
Average Hawaii Insurance Rates After a Violation or Accident
The Zebra lists these median annual Hawaii auto insurance premium prices after various types of accidents and violations:
- Speeding: $1195.54
- At-fault accident claim: $1492.52
- Open container of alcohol ticket: $1556.90
- Reckless driving ticket: $3732.46
- Driving under the influence conviction: $5389.19
Hawaii Auto Insurance Premiums by Credit Tier
Hawaii also prohibits using a customer's credit to influence his or her insurance premium cost. Only two other states prevent this discriminatory practice. If you drive in Hawaii, you will pay about the same if you have poor credit as drivers pay with average, good, very good, or excellent credit, according to The Zebra.
Cheaper Hawaii Cities
According to CarInsurance.com, residents of the 96703 ZIP code in Anahola have the most affordable car insurance in Hawaii. The average minimum liability annual policy here costs $1362. The lowest policies cost $901 per year while the most expensive coverage costs $1989 per year.
List of Insurance Companies in Hawaii
Bankrate.com lists these providers as the best auto insurance companies in Hawaii:
- Allstate
- GEICO
- State Farm
- USAA
These are the main insurance companies offering policies to Hawaii drivers, in addition to Island Insurance Company.
No-Fault Insurance in Hawaii Information
Hawaii is a no-fault state for auto insurance purposes according to The Zebra. That means that unless one driver has serious injuries and another driver caused the accident, your own personal injury protection (PIP) policy will cover the cost of bodily injuries experienced by you and your passengers. You must have at least $10000 for PIP coverage if you drive in Hawaii.
According to Nolo, drivers in Hawaii must also carry at least a 20/40/10 policy, which means a minimum of:
- $20000 per person for injury coverage
- $40000 per accident for injury coverage
- $10000 per accident for property damage
You might want to purchase more coverage if you have a more costly vehicle or have an auto loan for your car.
AutoInsurance.org notes that you must carry proof of financial responsibility in the form of insurance in your vehicle at all times. You must present this proof when asked to do so by a police officer.
Driving in Hawaii
Hawaii magazine offers these tips for drivers who want to explore the state by car:
- While we have breathtaking scenery, too many accidents happen because drivers get distracted by the sights. Stay focused on the road whenever you're behind the wheel.
- Roads can be in disrepair, so be aware of potholes to avoid costly repairs to your vehicle.
- Most Hawaii drivers don't honk their horns unless absolutely necessary for safety reasons. Otherwise, they consider it rude.
With just a few roads that traverse much of the coastline, it's hard to get lost if you're new to the island's highway system.
Frequently Asked Questions
These are common questions drivers have about Hawaii auto insurance according to the state's Department of Commerce and Consumer Affairs:
What Types of Optional Insurance Coverage Are Available in Hawaii?
In addition to the required minimum liability coverage amounts described above, drivers in Hawaii can purchase death benefit insurance of $25000 to $100000, coverage for alternative care measures such as acupuncture, protection from wage loss, uninsured and underinsured motorist coverage, funeral benefits, personal injury protection (PIP), and managed care PIP coverage.
How Can I Determine How Much Auto Insurance to Buy?
An insurance adjuster can help you create a personalized policy that considers your financial situation, your available assets that need protection, your comfort with risk, the type of car you drive or plan to buy, your desired out-of-pocket deductible amount, whether you lease or finance your vehicle, and the number of drivers who live in your household.
What Happens If I Drive Without Auto Insurance in Hawaii?
ValuePenguin reports that driving without insurance can result in serious penalties in Hawaii. For a first offense, you could receive a $500 fine, up to 100 hours of community service, and a three-month license suspension. Subsequent offenses can result in fines of up to $5,000, up to 275 hours of community service, one-year license suspension, and license plate revocation. In addition, if you get in an accident at any time and do not have the required minimum insurance coverage, you will receive a two-year license suspension.
What Is the Hawaii Joint Underwriting Plan?
This state initiative provides auto insurance for high-risk drivers, such as those who have had multiple accidents or claims. With this program, drivers can receive the same coverage types available to low-risk drivers but must pay higher premiums based on their higher level of risk. This option is available for those who receive coverage rejections from private auto insurance companies.
Sources:
https://www.thezebra.com/auto-insurance/hawaii-car-insurance/state-laws-hi/
https://www.autoinsurance.org/what-is-minimum-requirement-for-car-insurance-in-hawaii/
https://www.nolo.com/legal-encyclopedia/hawaii-no-fault-car-insurance.html
https://wallethub.com/edu/ci/average-car-insurance-rates-by-age/69321
https://www.nerdwallet.com/article/insurance/car-insurance-rates-age-gender
https://www.carinsurance.com/Articles/car-insurance-rate-comparison.aspx
https://www.bankrate.com/insurance/car/hawaii/
https://www.nerdwallet.com/blog/insurance/cheapest-car-insurance-in-hawaii-hi/
https://www.hawaiimagazine.com/12-things-you-need-to-know-about-driving-in-hawaii/
https://cca.hawaii.gov/ins/consumers/mvi/
https://www.valuepenguin.com/auto-insurance/hawaii/penalties-driving-without-insurance
https://cca.hawaii.gov/ins/other_ins/hjup/
https://www.caranddriver.com/shopping-advice/g26100588/car-types/
https://www.caranddriver.com/research/a32799813/apply-for-car-loan-online/
