Car Insurance in Ewa Gentry, HI

While the rate of uninsured drivers in Hawaii is lower than the national average, the rate of vehicle theft in the state is above average. Nearly four out of every 1,000 drivers will experience car theft in Hawaii each year. But having the right car insurance can help reimburse you for vehicle theft and many other disasters.

An independent insurance agent in Ewa Gentry, HI can get you set up with the best car insurance for you. They'll get you the coverage you need to feel protected both on and off the road. But for starters, here's how car insurance breaks down in Ewa Gentry, HI. 

What Does Car Insurance Cover in Ewa Gentry, HI?

When creating your car insurance policy, you'll need to consider both your state's laws and your personal coverage needs. Drivers in Ewa Gentry, HI typically equip themselves with the following types of car insurance:

• Collision coverage: This covers the cost to repair or replace your vehicle if it gets damaged or totaled in a collision, regardless of fault. 
• Comprehensive coverage: This covers the cost to repair or replace your vehicle if it gets damaged or totaled by a non-collision event such as a hailstorm or theft. 
• Uninsured motorist coverage: This covers costs if you get into a collision with another driver who doesn't carry any or enough car insurance of their own and is at fault for the crash.
• Liability coverage: This covers lawsuit costs if you cause bodily injury or property damage to a third party with your vehicle.

The easiest way to build the right car insurance policy for you is to work together with a local independent insurance agent. Independent insurance agents in Ewa Gentry, HI are familiar with the coverages required by law, as well as which types would benefit you the most. They also know which carriers to get it from at the best rate. 

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How Much Does Car Insurance Cost in Ewa Gentry, HI?

Drivers in Ewa Gentry and other areas of Hawaii pay an annual average of just $1,114 for their car insurance. Rates for car insurance in Hawaii are lower than the national average of $1,311 annually for car insurance. Hawaii overall actually ranks number 34 overall for most expensive car insurance rates in the country, pretty far down the list. 

Is Car Insurance Required in Ewa Gentry, HI?

All drivers in Ewa Gentry, HI must carry at least their state's minimum car insurance coverage requirements before they can hit the road.

Drivers in Ewa Gentry, HI must have the following types of car insurance:

• Personal injury protection: This reimburses for injuries to you or your passengers in an accident that you cause. At least $10,000 of this coverage per person is required.
• Property damage liability: This reimburses for incidents of causing property damage to third parties with your vehicle. At least $10,000 of this coverage per incident is required.
• Bodily injury liability: This reimburses for the treatment of injuries you cause to others with your vehicle. At least $20,000 per person and $40,000 per accident of this coverage is required.

Working together with your Ewa Gentry, HI independent insurance agent is an easy and fast way to get equipped with not only your area's minimum car insurance requirements, but also with a policy that meets all of your needs. 

Who Are the Best Car Insurance Companies in Ewa Gentry, HI?

Hunting for the best car insurance in your area doesn't have to be a lengthy process. Cut to the chase by starting with our list of some top carrier recommendations for car insurance in Ewa Gentry, HI. 

Best Car Insurance Companies in Ewa Gentry, HI	Star Rating
Progressive
American National Insurance
Chubb

Why Work with an Independent Insurance Agent in Ewa Gentry, HI?

There's no such thing as a one-size-fits-all car insurance policy. With a wide variety of products and options at your disposal, you can put together a solid car insurance package that's custom-built for you and other drivers in your family.

Independent insurance agents can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best car insurance companies in Hawaii to find you the right coverage at a great price.