The Best Cheap Hawaii Car Insurance
Updated
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Shopping for auto insurance can be confusing. There are coverage types to consider, driving record, deductibles, and potential discounts to factor in. And let's face it, learning about auto insurance may not be the most exciting thing a person will do on any given day. Here's the good news when it comes to buying auto insurance in the Aloha State: Some of the best car insurance companies offer incredibly competitive rates. Geico, State Farm, and USAA consistently provide the lowest rates for each coverage category.
For a "typical" driver with a clean driving record, the cheapest car insurance in Hawaii is available through Geico, which offers an average annual rate of $562.
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Here are two other Hawaii auto insurance carriers worth considering:
Geico proves once again that it's among the best car insurance in Hawaii by offering an average annual rate of $562 to drivers with a single speeding ticket.
Following behind are:
Current and former military members (and their families) enjoy incredibly cheap auto insurance in Hawaii through Geico, with an average annual rate of $562.
Other competitive carriers include:
Geico appears to be the most forgiving insurance company in Hawaii by offering an average annual rate of $871 to drivers with one accident on their record.
Other options include:
Once again, Geico beats competitors' rates by offering cheap liability car insurance in Hawaii, with an average annual rate of $187. That's less than $16 per month.
Other companies offering competitive rates for minimum coverage Hawaii auto insurance include:
The average cost of auto insurance in Hawaii is $1,096 annually, nearly 59% lower than the national average. The cost of coverage depends on things like age, driving history, credit score, and where the driver lives.
| Average Rate Category | Hawaii | National Average |
|---|---|---|
| Overall | $1,096 | $2,646 |
| Young drivers | $1,220 | $5,988 |
| 1 accident on driving record | $1,553 | $3,092 |
| 1 speeding ticket on driving record | $1,310 | $2,766 |
Per Hawaii car insurance laws, drivers must carry at least minimum liability coverage. Drivers caught without proof of insurance the first time will face a fine of $500 and have their license suspended for up to three months. A subsequent offense within five years will cost the driver between $1,500 to $5,000 and a one-year suspended license. The only way to get their license back is to provide evidence of coverage to their municipal government. Drivers caught without a license more than twice will have their registration plates revoked.
Community service sentences may be imposed instead of fines at a judge's discretion but must be requested by the driver's attorney.
Hawaii minimum car insurance requirements include:
Landing low-cost car insurance is far easier in Hawaii than in most states due to state-wide low rates. To drive premium costs down even more, drivers should shop around, gather quotes, compare levels of coverage, and consider any discounts offered through insurers.
How much is car insurance in Hawaii? It's the price initially quoted, minus any discounts for which the driver qualifies. The number of potential insurance discounts varies by the insurance company, but taking time to look through the options can save money. Here are some of the most common discounts offered:
Car insurance quotes in Hawaii are based in part on credit scores. If a driver's credit score is low, taking steps to raise it can lower the rate they pay for auto insurance. One way to land affordable car insurance in Hawaii is to focus on things like paying bills on time and keeping debt levels low. It may take time but will be worth the effort.
According to the Hawaii Department of Commerce and Consumer Affairs, there are some rather interesting coverages available in the state. For example, it is possible to purchase a policy that includes alternative care. While that's not particularly unusual, what sets it apart is that this alternative care coverage includes access to faith healing.
We know at least three things about auto insurance in Hawaii:
The best car insurance companies in Hawaii are happy to provide drivers with the information needed to compare rates and coverages. When it comes to auto insurance, some of the lowest rates in the country are found on the islands. With minimum coverage costing less than $16 per month, it's tough to imagine why anyone would drive without protection.
RELATED: Check out Motley Fool Money's guide to the best homeowners insurance in Hawaii.
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The data found on this page is a combination of publicly available quote data obtained directly from the carrier as well as insurance rate data from Quadrant Information Services. These rates were publicly sourced from the top ten (10) to fifteen (15) carrier markets, within each state, based on annual written premium and should be used for comparative purposes only -- your own quotes may be different.
