Looking for Cheap Car Insurance in Hawaii?
If you live in the sunny Hawaiian Islands, you've probably noticed that your car insurance rates are significantly lower than if you lived on the mainland. But did you know that Hawaii also has some of the worst roads in the country? So why are your car insurance rates so low?
It's because Hawaii drivers typically have a very high claims frequency and rate and very low claim severity. This means that even though your car may be stolen more often or get into a fender bender more often, it probably doesn't result in injury or severe damage to your vehicle or others' vehicles.
To make sure you're always paying as little as possible for coverage, choose Carlay. The company makes it easy to find cheap car insurance, with quotes from the leading providers. Sign-up takes less than a minute, and you can be saving $879 per year in minutes.
Don't trust us? Here are some quotes & savings from Hawaii customers like you who switched to Carlay:
How Much Does Car Insurance Cost in Hawaii?
Hawaii's average liability-only car insurance costs $3,297 a year, while the state's average full car insurance costs $$$ per year.
Comparing the rates to nationwide averages, it costs an average of $1483 per year for liability-only car insurance and $2485 per year for full coverage car insurance.
What contributes to the insurance rates in Hawaii?
What drives up the price of car insurance in Hawaii? Here are some things to consider:
- Congested roadways
While Hawaii ranks low for accidents, it ranks high for congestion. Congestion contributes to frequent red lights and stop signs and a higher likelihood of rear-end collisions, resulting in more expensive car repairs. As a result, you'll see higher insurance rates in congested areas.
- Auto thefts
Auto theft is a significant contributing factor to Hawaii car insurance rates. Unfortunately, many drivers choose not to install anti-theft devices due to their added expense, making your vehicle more attractive to thieves.
- Fewer miles driven
The average driver travels fewer than 10,000 miles a year in Hawaii. This means drivers are less likely to get into accidents.
Hawaii drivers, how do your car insurance premiums compare to the rest of the country? Here's a breakdown:
| All Coverage Before Carlay | All Coverage After Carlay | Minimum Coverage Before Carlay | Minimum Coverage After Carlay | Full Coverage Before Carlay | Full Coverage After Carlay | |
| National Average | $2,490 | $1,672 | $2,360 | $1,391 | $2,762 | $1,964 |
| National Average | |
| All Coverage Before Carlay | $2,490 |
| All Coverage After Carlay | $1,672 |
| Minimum Coverage Before Carlay | $2,360 |
| Minimum Coverage After Carlay | $1,391 |
| Full Coverage Before Carlay | $2,762 |
| Full Coverage After Carlay | $1,964 |
Top auto insurance providers in Hawaii
Geico, State Farm, and Allstate are three of Hawaii's most popular car insurance providers, with low rates, outstanding customer service, and easy accessibility.
However, you may switch providers if you feel that other sites offer a better experience. In Idaho, insurance providers will examine your credit score, location, and other factors that could affect the price of your policy before giving you a quote.
While you can't control how much your car insurance premium costs, the type of car you drive can have a part in it. A Tesla Model Y will cost more to insure than a Toyota Rav-4 because it has a higher purchase price and replacement parts are harder to come by.
Carlay works with drivers in Hawaii to get the best deals on car insurance—regardless of demographic factors. Some of our best savings for our customers are below.
What Car Insurance Do You Need in Hawaii?
Hawaii law requires that all drivers carry the following coverage before they get behind the wheel:
| Coverage | Amount | Description |
| Bodily injury liability | $20,000 per person / $40,000 per accident | Helps you pay for the expenses you incur when you hurt someone else. |
| Property damage liability | $10,000 per accident | Covers your legal costs in the case of damage to another's property or vehicle. |
Here are some of the penalties you may face if you drive without insurance:
- Fines of up to $500, or
- 75 to 100 hours of community service
- License suspension of 3 months
- Maintain an SR-22 for three years
Hawaii has some of the most lenient car insurance laws in the country. If you get into an accident there, your insurance company will pay for your injury and your passengers' injuries, regardless of who is at fault. In order to cover all this, drivers are required to carry $10,000 in personal injury protection coverage.
Even though Hawaii has low-mandatory insurance, it's wise to have more than the minimum coverage.
| Coverage | Description |
| Collision insurance | Coverage for damages resulting from collisions with other vehicles or stationary objects |
| Comprehensive insurance | Coverage against damage not related to a collision, such as vandalism or theft, or coverage in the event of damage caused by natural disaster. |
| Roadside assistance | Covers the costs associated with a breakdown |
Sign up with Carlay Insurance today, and we'll get the most affordable rates for you, regardless of your specific coverage needs. Carlay gets you all of the rates we can from our name-brand insurance providers. Then the company helps you switch over your policy—no matter how long it's been since you signed up with your current provider. And every time your policy is up for renewal, you will receive an updated quote so you can make sure you keep saving money and getting the best protection possible.
Now that you know what insurance you need, here's some information about insurance in Hawaii.
How is Your Cost of Car Insurance Determined in Hawaii?
Hawaii stands out from other states in that insurance companies cannot use a driver's age, gender, or credit score when pricing the driver's insurance. This allows drivers in Hawaii to enjoy lower insurance rates than drivers in most other states.
What young drivers in Hawaii need to know
- Hawaii has some of the lowest car insurance rates for teenage drivers because insurance companies there cannot use age to determine rates.
- If you can maintain a B average or higher, you may be eligible for a good student discount on your car insurance.
- If you're young and are buying car insurance, taking a defensive driving course can save money on your premiums.
You can reduce your auto insurance premium costs by applying for discounts, shopping around, and maintaining a clean driving record. Carlay helps young drivers in Hawaii find the best car insurance premiums by comparing rates from top providers. Here are the average rates for drivers by age:
| Age Group | Average Cost | Annual Savings with Carlay |
- Cost to insure your car in Hawaii with a poor driving record
When you apply for car insurance in Hawaii, your driving history will affect how much you pay for car insurance. For example, if you have been in an accident, gotten a speeding ticket, or had a DUI or other primary driving offense, you will pay more for your Hawaii car insurance rates.
You will likely have to pay more for auto insurance if you have driving infractions on your record. Carlay's customers with a driving history containing an accident or two can still receive quality coverage for a reasonable price.
| Driving Violation | Average Cost | Annual Savings with Carlay |
| Clean Record | $7,178 | $3,881 |
- Cost to insure your car in Hawaii based on where you live
In Hawaii, you can expect that rates for insurance won't vary too much based on where in the state you live. If you live in a major city like Honolulu or Hilo, your rates will be comparable with other cities.
These are the most affordable rates we've found for Hawaii residents:
- Cost to insure your car in Hawaii based on the type of car you drive
The type of car you drive makes a difference in how much you pay per month for car insurance. For example, it is common for Hawaii residents to drive a Toyota Corolla—and insurance companies consider the sedan reasonably cheap because it has a reasonable price tag and affordable replacement parts.
In contrast, drivers who drive a Jeep Wrangler Unlimited will see higher premiums on their auto insurance: The SUV has a higher starting price, but insurers also look at the car's lower safety, and reliability ratings translate into more repairs.
Carlay has the following rates for these three vehicles in Hawaii:
| Car | Average Cost | Annual Savings with Carlay |
How to Save Money On Car Insurance in Hawaii?
If you drive in Hawaii, here are some ways to save money on car insurance.
- Shop around for quotes
Finding good insurance quotes is a lot like finding good shoes. First, you've got to try on a few pairs before finding one that fits your budget and expectations. Thankfully, with Carlay, getting multiple quotes is easy and fast; it's like being able to compare prices at all of your favorite stores at once!
Carlay is a free app that helps you save money on car insurance. Once you enter some basic information, it uses its network of insurance providers to offer you competitive rates. Then, if you find a policy you like, Carlay will take care of all the paperwork for you. Most customers save over $879 on car insurance with Carlay.
When you come to the end of your insurance policy, Carlay will send you a new quote—so you never have to worry about getting ripped off.
- Look for discounts
In Hawaii, discounts are plentiful, so ask your agent about these. Discounts apply if you're a safe driver (like with most auto insurers) and if you have several cars insured on one policy or have completed defensive driving courses, among other factors.
In the state of Hawaii, the following discounts are available:
Insurance companies tend to give discounts to people who are married or in the military, so it's a good idea to see if you qualify for any special offers.
- Increase your deductible
One way to lower your premiums is to raise your deductible. This is an excellent option for those with a solid financial cushion, but make sure you consider how much you would need to pay out of pocket if an accident did occur before adjusting your deductible. It can also be helpful to shop around for higher deductibles (perhaps by checking additional carriers) to fully understand what you're paying for and what benefits come along with it.
Registering Your Car in Hawaii
To register your car in Hawaii, you will need to have the following documents:
- A driver's license or ID card
- A car title or signed lease agreement
- Application for vehicle registration
- Proof of passing emissions test
- Proof of insurance Certificate of safety inspection
- Pay registration fees
It's recommended that you make an appointment to visit the DMV. You'll avoid long wait times. Include your personal and vehicle information on the forms.
Hawaii drivers must renew their vehicle registrations annually.