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What type of insurance do you need?
On average, Hawaii drivers pay about $1,114 a year for their car insurance. This is lower than the national average cost of $1,311 a year, which is good news for those who are looking for affordable coverage.
As a vehicle owner in Hawaii, you can find the best rates by comparison shopping with the help of a local independent insurance agent. These agents can assist you with obtaining customized car insurance quotes from multiple insurance companies so that you can be sure you are getting the coverage you need at a competitive price.
Car insurance in Hawaii includes a mixture of mandatory and optional coverage. If you are involved in a collision, here are a few of the ways that your car insurance may be able to help.Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender.
Most car insurance companies will offer additional coverage options that you can include in your policy. These include:
Hawaii is what is called a “no-fault” state when it comes to car insurance.
This means that your own car insurance company will cover injuries sustained by you and your passengers in a motor vehicle accident, regardless of fault. If another driver is at fault for the accident, their insurance will only be billed once your personal injury protection insurance is exhausted.
However, the at-fault driver will be responsible for covering all property damage.
If you are caught driving without insurance in Hawaii, you can face fines ranging from $500 to $5,000 or community service of 75 to 275 hours, and your license will be suspended until proof of insurance is provided. Repeat offenders can also face the suspension of their vehicle registration and potential jail time.
Despite this, an estimated one in ten motorists in this state is driving while uninsured.
If you are in an accident that was caused by an uninsured driver, that person is responsible for covering your damage and any related medical bills. However, if the uninsured driver simply doesn’t have the funds available, you may be forced to hire a lawyer and take legal action just to collect a fraction of what is due to you.
That is why uninsured motorist coverage can prove so beneficial.
This optional coverage can pay for your medical treatment and other injury-related expenses the go beyond what your PIP can cover if you or your passengers are hurt in an accident caused by an uninsured, underinsured, or hit-and-run driver. Your insurance company will then take on the time-consuming task of trying to collect the money owed by the at-fault driver, and will absorb the costs if unsuccessful.
There is no such thing as a car insurance company that is best for everyone. The trick is to find the company that is best for you.
That is what independent insurance agents do. These agents obtain and compare customized quotes from a variety of reliable insurance companies so they can find the policy that can provide the best value to you and your family.
Find an independent insurance agent near you to get started.
Yes! There are currently 34 independent insurance agents in Hawaii who are ready to help.
These experienced agents are free to work with several different insurance providers to help you find the best rate for auto coverage. That way, you can buy a policy that meets all your coverage needs at a price you can afford. Learn more by contacting an independent insurance agent near you today.
National average time spent commuting 25.4 Min
National average car thefts per 1,000 2.94 Year
National average car insurance cost $1318 Year
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