Cheap car insurance in Hawaii

Cheap car insurance in Hawaii

It is mandatory to get car insurance in Hawaii for drivers to drive legally in the state. Different companies in Hawaii provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Hawaii:

Name of the Company      Average annual car insurance premiums
State Farm $1296
USAA $1300
GEICO $1373
Liberty Mutual $1440
Progressive $1516
First of Hawaii $1972
Allstate $1979
AIG $2944

Cheap car insurance in Hawaii for good drivers 

Car insurance companies may charge high car insurance premiums from drivers in Hawaii with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Hawaii provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Hawaii by maintaining a good driving record. Most auto insurance companies in Hawaii provide a 5-10% good driver discount to those having a good driving history without violations.

  • Drivers with no traffic ticket may save $112 on car insurance premiums in Hawaii.
  •  Drivers may save $418 on car insurance premiums if they have an accident-free record in Hawaii.
  •  By maintaining a good credit history you may save $0-5 on car insurance premiums in Hawaii. 

Cheap car insurance for inexperienced drivers in Hawaii

Most auto insurance providers may charge high auto insurance premiums in Hawaii from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers.  Auto insurance premiums in Hawaii vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in Hawaii. 

Age   Average annual auto insurance premiums with parents Average annual auto insurance premiums for young drivers alone
16 $2749 $1258
17 $2749 $1133
18 $2749 $1116
19 $2749 $1107

Affordable auto insurance in Hawaii for high-risk drivers

Car insurance companies in Hawaii charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Hawaii can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in Hawaii may get discounts on car insurance policies.

Rating factor Average annual car insurance premium
At-Fault Accident $1498
DUI $5393
Speeding Violation $1192
Bad Credit $1085

Best car insurance companies in Hawaii

Car insurance prices in Hawaii may vary from company to company. Some companies in Hawaii charge lower car insurance premiums than others. To get the best auto insurance policy in Hawaii you should check the reputation and services of the insurance companies because finding affordable car insurance policy is not just enough. You can find the best auto insurance company in Hawaii by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Hawaii:

    1. AIG
    2. Allstate
    3. GEICO
    4. Liberty Mutual
    5. Progressive
    6. State Farm
    7. USAA

What auto insurance coverage is mandatory to purchase for drivers in Hawaii?

The average annual cost to get the minimum required coverage in Hawaii may around $520.  The minimum required coverage for drivers in Hawaii to drive legally in the state is:

Coverage type Coverage limit
Bodily injury coverage per person $20000
Bodily injury per accident $40000
Property damage per accident $10000

 The state minimum auto insurance requirements in Hawaii

The state minimum auto insurance coverage requirement in Hawaii is liability coverage.

  1. $20000 bodily injury coverage per person is required in Hawaii.
  2. $40000 bodily injury coverage per accident is required in Hawaii.
  3. $10000 property damage coverage per accident is required in Hawaii.

Other types of optional coverages in Hawaii are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Loan/Lease Payoff
  5. Rental Car Reimbursement
  6. Death and Funeral Expense
  7. Wage Loss
  8. Uninsured/Underinsured Motorist Bodily Injury
  9. Uninsured Motorist Property Damage

Fine for driving without car insurance in Hawaii

If anyone caught driving without a car insurance policy in Hawaii then police may charge a fine.

Car insurance prices by cities in Hawaii

Car insurance premiums in Hawaii may vary from city to city. In some cities of Hawaii, car insurance prices are high compared to others.

City                                          Average annual insurance premiums
Hilo $1126
Ewa Beach $1060
Royal Kunia $1060
Honolulu $1055
Halawa $1055
Schofield Barracks $1052
Kailua $1048
Kapolei $1048
Pearl City $1048
Kahului $1040
Kihei $1040

If you are looking for a car insurance deal in Hawaii, you can compare  car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

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