Compare car insurance in Hawaii

If you’re trying to save money on your insurance policy, looking at your state’s requirements is a good place to start. Each state has its own car insurance requirements, and tells you what the bare minimum is that you need to carry. But don’t forget to look at your own needs and safety concerns when choosing your full insurance plan.

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• Top auto insurance companies in Hawaii
• List of insurance companies in Hawaii

Car insurance companies in Hawaii

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Name	Product	Roadside assistance	New car protection	Accident forgiveness	Safe driver discount	Available states
Progressive		Optional			30%	All 50 states	Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.	Get quotes More Info	Compare	loading Fetching your data...
Gabi		Optional	Optional		55%	All 50 states	Upload your current bill and get 20+ quotes from top brands for the same level of coverage.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Optional			30%	All 50 states	Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.	Get quotes More Info	Compare	loading Fetching your data...
Allstate					13%	All 50 states	Enjoy having your own dedicated agent to help you get the best discounts and coverage.	Get quotes More Info	Compare	loading Fetching your data...
Geico		Optional			26%	All 50 states	Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.	More Info	Compare	loading Fetching your data...
Farmers					15%	All 50 states	Choose from add-ons like glass repair services and new car replacement to enhance basic coverage.	Get quotes More Info	Compare	loading Fetching your data...

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Most popular Hawaii auto insurance companies list

Company	Direct premiums written (billions)	Market share
Geico	$212,181	27.2%
State Farm	$145,038	18.6%
USAA	$93,188	11.9%
Allstate	$70,797	9.1%
Progressive	$56,904	7.3%
Farmers Insurance	$48,468	6.2%
Tokio Marine	$39,101	5.0%
Liberty Mutual	$37,640	4.8%
Island Insurance	$25,181	3.2%
MS&AD	$17,765	2.3%

Average car insurance costs in Hawaii

With average annual costs between $1200 and $1350, Hawaii is neither too expensive nor especially cheap when it comes to car insurance. If you’re looking to buy car insurance here, you can probably expect your cost to fall within this range.

However, it’s good to bear in mind that your unique background and circumstances could contribute to a rate that’s substantially higher or lower than the state average. No matter where you are, a whole host of factors can influence your auto insurance rates, and you’ll have to consider the factors that are under your control to get the best rate possible.

Compare Hawaii car insurance

Of Hawaii’s largest cities, Kaneohe has the cheapest rates and Mililani has the most expensive car insurance rates. Mililani drivers could face rates 2 times more than Kaneohe drivers.

• Waipahu
• Mililani
• Kaneohe
• Honolulu

State minimum car insurance requirements in Hawaii

In order to legally drive in Hawaii, you’ll need insurance that at least includes:

• $10,000 for personal injury protection (PIP) coverage. This will cover any injuries suffered by you or your passengers, regardless of who was at fault
• $20,000 bodily injury liability coverage per person
• $40,000 total bodily injury coverage per accident
• $10,000 for property damage

When shopping for car insurance, you may see this written as 20/40/10.

Many drivers in some states are legally required to purchase uninsured or underinsured motorists coverage (UM/UIM). This coverage protects you if you get into a car accident with someone who doesn’t have enough insurance to cover the damages caused by an accident. Hawaii is an opt-out state, which means that car insurance companies are required to offer it, but you can choose not to take it.

Is Hawaii’s PIP coverage different than most states?

Yes. Hawaii’s PIP coverage doesn’t automatically come with reimbursement for lost wages, substitute services, funeral benefits and more. It’s a good idea to contact your insurance provider if you’re unsure of what exactly you’re covered for.

Can I get SR-22 insurance in Hawaii?

Yes, you can. You might need an SR-22 in Hawaii if you’ve gotten a DUI, lost your license or have too many violation points on your driving record. SR-22 tells the state you have the minimum coverage required to get back behind the wheel.

How to file an SR-22 in Florida

Insurance help for low-income Hawaii drivers

Some residents of Hawaii can get free car insurance through the Assistance to the Aged, Blind and Disabled (AABD) program. To qualify you must meet one of these requirements

• Be 65 or older
• Be blind
• Be unable to work because of a physical or mental condition
• Live with or take care of someone who gets AABD benefits
• Your SSI doesn’t provide you with enough money

Bottom line

It can be hard to find car insurance policies with the exact policies and conditions you’re hoping for. Research your insurance options to make sure that you’re receiving the coverage that you need — and that your state requires.

Frequently asked questions about car insurance in Hawaii

• Is my out-of-state insurance policy acceptable in Hawaii?

  No. You’re required to get a Hawaiian insurance policy.

• Will my rates go up if I file a claim through my car insurance?

  While each car insurance policy varies, it’s possible that your car insurance rates will go up if you file a claim. Some providers offer accident forgiveness programs that ensure your premium stays the same after your first accident. But in many cases, a claim on your policy raises your risk profile — and, in turn, your rates.

• Can my insurance company cancel my policy if I file a claim?

  It could: Your car insurance has the right to cancel your policy at any time. But most providers reserve cancellation for policyholders who file multiple claims in a short time or engage in risky driving behaviors that result in multiple tickets or DUI/DWIs. You’ll typically receive notice from your car insurance company before it plans to cancel your policy.

• How do I register my car in Hawaii?

  The specific process of registering your car will vary based on the county you reside in. However, generally speaking you’ll need to get a safety inspection, pay a registration fee and go in-person to your local DMV and verify your information.