What is the average cost of car insurance 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.
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.
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.
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.
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.
Unless you want to just relax at your hotel, the answer is yes. Driving is the best way to get around and will provide you with the most flexibility. Hawaii Island is known as “The Big Island” for good reason — spanning 10,931 square miles, it has a lot of ground to cover.
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.
Driving without insurance in Hawaii is against the law, though, and the potential penalties include fines up to $1,500 and driver's license suspension. You do not have a driver's license or never drive. If you don't have...
People caught driving without insurance in Hawaii face significant penalties. Sanctions include fines of up to $5,000, community service of up to 275 hours, license suspension for up to one year, vehicle impoundment and even jail time of up to 30 days.
State Farm, American Family, Geico and Progressive are the cheapest car insurance companies for most drivers. USAA has even cheaper rates, but only military members, veterans or their families can qualify. *USAA is only available to military members, veterans and some of their family members.
Who pays for car damage in a no-fault state Hawaii?
This also means that you cannot be sued for injuries unless they are severe. However, for property damage, the no-fault rules do not apply in Hawaii. This means that the at-fault driver is responsible for damage to vehicles and other property.
Car insurance usually follows the car in Hawaii. The types of car insurance that follow the car in Hawaii are collision, comprehensive, and property damage liability. You're required to carry property damage liability and personal injury protection in Hawaii. PIP follows the driver, unlike liability coverage.
Full coverage insurance in Hawaii is usually defined as a policy that provides more than the state's minimum liability coverage, which is $20,000 in bodily injury coverage per person, up to $40,000 per accident, and $10,000 in property damage coverage.
Comparing Allstate vs. Geico, we found that Geico offers cheaper auto insurance on average. We gave Geico 9.1 out of 10.0 points in the cost category in our industry-wide insurance review, while Allstate earned 7.4 points.
| Insurance company | Bankrate score | Average full coverage rate |
|---|---|---|
| Geico | 4.4 Rating: 4.4 stars out of 5 | $1,526 |
| USAA | 4.2 Rating: 4.2 stars out of 5 | $1,173 |
| State Farm | 4.3 Rating: 4.3 stars out of 5 | $2,282 |
| Allstate | 3.9 Rating: 3.9 stars out of 5 | $1,474 |
Both 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.
It's because Hawaii is one of 13 states that collects an annual vehicle registration tax based on weight.
All vehicles on Oahu are required to have a valid Registration, Certificate of Title, and State of Hawaii Safety Inspection Certificate. The deadline for registering vehicles is the last working day of the expiration month of the current registration.
Hawaii is a considered a “no-fault state”, which means your motor vehicle insurance company will pay the bills for your injuries and your passengers' injuries up to the personal injury protection benefits (“PIP”) limit.
Hurricane season in Hawaii begins on June 1 and runs through November. Hurricane insurance is a supplemental insurance to home insurance. It covers wind-related damage associated with hurricanes. Banks require homeowners to have hurricane insurance as part of their mortgage approval.
How much does it cost to insure a house in Hawaii?
Average annual home insurance costs in Hawaii are $782, which is less than one-third of the national average. The caveat is that the most common home damage experienced in Hawaii is caused by flooding and high winds, neither of which are covered under a standard policy.
PIP is a central component of no-fault car insurance policies. Benefits can be paid to drivers, passengers, pedestrians, bicyclists, and moped riders who are injured in a car accident, regardless of fault. Motorcyclists are not required to purchase PIP benefits in Hawaii, although some policies may include it.
Answer: The required documents to register a car in Hawaii include the current out-of-state registration, a safety inspection certificate, a vehicle identification number (VIN) inspection certificate, a weight certificate (if applicable), a Hawaii driver's license or state ID, and proof of insurance.
Hawaii law provides that there is no “tort liability” if there has not been at least $5,000 paid in medical bills by the No-Fault insurance provider. In other words, if one's injuries are not serious enough to warrant $5,000 worth of medical treatment, then one will not be able to make a claim for their injuries.
The owner of the vehicle may display the motor vehicle insurance identification card or the proof of insurance card in electronic format on a mobile electronic device, as defined in section 291C-137.
