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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.
Hawaii
Car insurance quick facts
20/40/10
Minimum liability requirements
$1,350
Average annual car insurance cost
30
Days to update your license
No-fault state
In no fault states, each driver pays for their own damages in an accident.
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Car insurance companies in Hawaii
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.
Cheapest car insurance in Hawaii
Which city has the cheapest car insurance in Hawaii?
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.
Car insurance quotes in Waipahu
| Company | Annual car insurance rate |
|---|---|
| Allstate | $546 |
| Farmers | $1257 |
| Geico | $708 |
| State Farm | $595 |
| USAA | $937 |
Car insurance quotes in Mililani
| Company | Annual car insurance rate |
|---|---|
| Allstate | $513 |
| Farmers | $1267 |
| Geico | $708 |
| State Farm | $595 |
| USAA | $937 |
Car insurance quotes in Kaneohe
| Company | Annual car insurance rate |
|---|---|
| Allstate | $513 |
| Farmers | $1267 |
| Geico | $708 |
| State Farm | $595 |
| USAA | $937 |
Car insurance quotes in Honolulu
| Company | Annual car insurance rate |
|---|---|
| Allstate | $513 |
| Farmers | $1267 |
| Geico | $711 |
| State Farm | $595 |
| USAA | $937 |
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.
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
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