How Much Is Full Coverage Insurance in Hawaii? (2024)

FAQs

How Much Is Full Coverage Insurance in Hawaii? ›

The average annual cost of car insurance in Hawaii is $1,651 for full coverage and $395 for the minimum coverage.

The average annual cost of car insurance in Hawaii is $1,651 for full coverage and $395 for the minimum coverage.

American National, Country Financial, Nationwide, Erie and USAA offer the five cheapest full-coverage insurance policies. According to our rate data, the national average annual cost of a full-coverage car insurance policy is $2,008 per year.

Full coverage costs twice as much as minimum coverage because it pays for damage to your car in most types of accidents. That's because full coverage comes with collision and comprehensive coverage.

The average auto insurance cost in Hawaii is $1,079 per year — less than the US average by 24.4%. Your auto insurance costs are dictated by factors aside from state lines. Car insurance rates consider an array of considerations, such as a driver's credit score, driving record, age, gender, and marital status.

A full-coverage policy costs two and a half times more than one with minimum liability coverage only. That's because full coverage typically includes comprehensive and collision insurance. These coverages pay to repair or replace your car if it is damaged.

Another option for affordable health insurance is a short-term plan. Plans can have rates as low as $100 to $200 per month, but coverage often has restrictions. Plans could have high deductibles or not cover prescriptions or preexisting conditions.

How much does health insurance cost in California? The average cost of health insurance in California is $600 per month in 2024. That's for a 40-year-old with a Silver plan. Bronze plans usually have cheaper rates, but they also have less coverage.

Most affordable states for healthcare:

Hawaii (Avg. annual premium/deductible: $5,374/$3,115) Michigan. Washington.

Who is cheaper, Geico or Progressive? ›

Both of these auto insurers are reasonably priced, with premiums that are generally lower than the national average for most types of drivers. However, in a side-by-side comparison, Geico is usually the cheaper of the two, on average.

USAA, Nationwide, Travelers, Erie, Geico and Progressive are the cheapest car insurance companies nationwide, according to our analysis.

At what age is car insurance the cheapest? If you keep a clean driving record, your insurance costs should continue to fall throughout your 30s, 40s, and 50s. But you won't benefit from the cheapest premiums until you're in your late 60s.

Between 10 and 15 years after a vehicle's model year, full coverage is a poor investment. While the cost of full coverage by itself likely won't be more than what a car is worth, the cost of insurance is more likely to be higher than the value of the car after an accident.

Comprehensive, collision and liability insurance are all included in full coverage. Auto accidents and losses brought on by vandalism, severe weather, fire, or theft will also be covered. California's Low-Cost Auto Insurance program allows some drivers to apply for coverage.

'Comprehensive' insurance cover provides the widest cover and covers for theft and hijacking, damages due to an accident, fire or explosion and natural disasters like hail and floods.

To own and drive a vehicle in Hawaii, the state requires that you carry auto liability insurance with a minimum of $20,000 per person/$40,000 per accident for bodily injury and $10,000 for property damage per accident.

USAA is the best car insurance company in Hawaii for its affordable rates and stellar customer reputation. Minimum car insurance costs $44 monthly or $529 annually in Hawaii. A full-coverage policy costs $138 monthly or $1,656 a year.

But it typically refers to a policy that has liability coverage plus comprehensive and collision. That way, you're not only covered if you have to pay for someone else's injuries or repairs but also for repairs to your own vehicle.

And GEICO is known for helping make life even sunnier by providing quality protection for Hawaiians' cars, motorcycles, and more–all at an affordable rate. Your local GEICO Insurance Agent in Hawaii can help you find the right coverage for your needs.