Choosing car insurance in Hawaii is an important decision for both your budget and protection. Whether you want to understand Hawaii auto insurance requirements, know the average cost of insurance by city, or look for the best affordable insurance companies, this guide will meet all your needs.
In this article, we have detailed affordable options for full coverage and minimum coverage. Furthermore, we have also discussed top-rated insurance providers and discount plans. By reading this guide, you will be able to easily choose the right plan as per your needs.
Overview of Car Insurance in Hawaii
Choosing car insurance in Hawaii is an important process, as it ensures the safety of your vehicle and adheres to the state’s legal regulations. The rules and requirements for car insurance in Hawaii are unique compared to other states.
In this section, we will discuss Hawaii auto insurance requirements and average car insurance costs by city, so you can get the right information and choose the option that best suits you.
Hawaii Auto Insurance Requirements
In the air state, the following minimum insurance coverage is necessary:
- Physical Injury Liability: $ 20,000 per person and $ 40,000 per accident.
- Property Damage Liability: $ 10,000 per accident.
- Personal Injury Protection or PIP: $ 10,000 per person.
These are minimal requirements, but additional coverage such as underwingard motorist coverage is also available, which you can add according to your needs.
Average Cost of Car Insurance in Hawaii by City
The cost of car insurance in Hawaii can vary by city. For example, full coverage car insurance rates are the most expensive in the city of Volcano, while the rates are cheapest in Anahola. The difference in annual insurance costs between these two cities can be approximately $372.
Insurance premiums depend on several factors, such as your driving record, type of vehicle, and where you reside. Therefore, it is important to get quotes from different insurance providers and compare them, so that you can choose the most suitable option as per your needs and budget.
Best Car Insurance Companies in Hawaii
The most important aspect when choosing car insurance in Hawaii is choosing the right insurance company. This not only reduces your costs but also fulfills your insurance needs perfectly. In this section, we will focus on the best and cheapest car insurance companies in Hawaii.
Best Cheap Car Insurance Companies in Hawaii
The following car insurance companies in Hawaii are known for affordable rates and outstanding services:
- Gaiico: Gaiko offers the cheapest car insurance rates in Hawaii. Its average monthly premium for minimal coverage is $ 23, while for full coverage it is $ 69 per month.
- State Farm: State Farm is also a reliable option with competitive rates in air. Its monthly premium for minimal coverage is around $ 66, while for full coverage it is $ 100 per month.
- Island Insurance: This local company offers affordable insurance options for air residents. Its monthly premium for minimal coverage is $ 35, while for full coverage it is $ 110 per month.
- Progressive: Progressive air is available with various insurance options. Its monthly premium for minimal coverage is $ 52, while for full coverage it is $ 155 per month.
- Farmers: Farmers also offer insurance services in air. Its monthly premium for minimal coverage is $ 52, while for full coverage it is $ 161 per month.
Cheapest Car Insurance Options in Hawaii
Finding affordable car insurance in Hawaii is the priority of every driver. This section will give you information about the cheapest options for full coverage and minimum coverage. The information given here will help you to choose the right plan, which is in line with your budget and needs.
Cheapest Hawaii Auto Insurance Quotes for Full Coverage
Full coverage insurance is a great option for drivers in Hawaii who want comprehensive protection for their vehicle. This coverage provides protection against various risks such as accidents, natural disasters, and theft.
However, the cost of full coverage insurance may vary depending on the company and your personal profile (age, driving record, location). The table below compares monthly premiums from Hawaii’s major insurance companies:
| Company | Monthly Rate |
|---|---|
| Geico | $69 |
| State Farm | $100 |
| Island Insurance | $110 |
| Progressive | $155 |
| Farmers | $161 |
| Allstate | $177 |
| USAA* | $93 |
Cheap Car Insurance Companies in Hawaii for Minimum Coverage
Minimum coverage insurance in Hawaii is ideal for drivers who only want to meet the legal requirements of the state. This coverage is affordable and suitable for trains that are chronic or whose use is limited. In the table below, the monthly premium rates of minimum coverage insurance in Hawaii have been compared:
| Company | Monthly Rate |
|---|---|
| USAA* | $27 |
| Geico | $30 |
| Island Insurance | $35 |
| Farmers | $52 |
| State Farm | $66 |
| Allstate | $70 |
| Progressive | $75 |
*USAA insurance is only available to military members and their families.
Conclusion
In this guide we discuss various aspects of car insurance in Hawaii, such as Hawaii auto insurance requirements, average costs by city, and the best affordable insurance companies.
Whether you’re looking for full coverage or just want to meet legal requirements, choosing the right plan is important for your budget and protection.