Honolulu Car Insurance

Your Complete Guide to Honolulu, HI, Car Insurance

(How to find the best independent agent in town)

Honolulu, HI, is best known for macadamia nuts and its supply of orchids. Called the gateway to volcanic beauty, Honolulu is the third largest island in Hawaii. 

When you need to get around in this popular city, you'll want a car policy in place. A local independent insurance agent has access to dozens of carriers, saving you time. The best way to connect with an agent is on TrustedChoice.com. 

Local Crime in Honolulu, HI, and Car Insurance

The local theft rate will have an impact on your insurance premiums. The carriers figure out how likely you are to have a crime-related claim and charge accordingly. 

Average theft rates:

  • Hawaii average: 397.7
  • Honolulu average: 2,150

If you have anything of value, you'll want to have proper protection for your vehicle. Comprehensive insurance can help cover a car break-in. Just like your life insurance, comprehensive coverage is optional. Contact your Honolulu agent to run quotes.

What are the Car Insurance Requirements in Honolulu, HI?

Every state, even the islands, have requirements to use their roadways. Hawaii is no different. Let's look at what Honolulu, HI, mandates for car insurance:

  • Minimum liability limits of $20,000 per person
  • Minimum liability limits of $40,000 per accident
  • Minimum liability limits of $10,000 property damage

Your liability insurance is one of the most used coverages on your car policy. When you only obtain state minimum limits, you could have to pay out of pocket for a loss. The average vehicle cost is around $36,000, which means these low limits wouldn't cover one claim. Connect with your local agent to get liability options on your car insurance.

Other Car Insurance Options in Honolulu, HI

There are several other auto coverages you can add to be better protected. When you're not sure what to choose, discuss with your Honolulu independent agent. For now, take a look at some optional coverage:

  • Comprehensive: Will pay for property damage to your vehicle should an unavoidable obstruction hit it.
  • Collision: This will pay for the damage to your car when a collision with another property occurs.
  • Towing: Will pay for the tow of a covered auto.
  • Gap: This will pay for the remaining balance on your car loan when your vehicle gets totaled, and there is a difference in value.
  • Rental car: Pays for a rental car to replace a damaged covered auto due to an accident.
  • Medical payments: Will pay for a smaller medical expense arising out of an at-fault claim.

If you need additional coverages but are worried about the price tag, speak with your agent about bundling. When you bundle your auto and homeowners insurance, you'll save upwards of 30% on your policies. 

Extra Liability Insurance in Honolulu, HI

There are a couple of different things you can do to have more liability coverage. They are simple and can be discussed with your local agent. 

How to add liability coverage:

1. Increase the current liability limits on your car insurance policy.

2. Add an umbrella policy to go over your underlying auto policy coverages.

Umbrella insurance definition:

An umbrella insurance policy begins with an additional $1,000,000 in liability coverage. Umbrella insurance will go above and beyond your underlying auto and home policies when there is an extensive claim.

Your Honolulu independent agent can quote different liability limits when you contact them. 

How Many Uninsured Drivers Are in Honolulu, HI?

Uninsured drivers are everywhere. Honolulu will have several motorists that choose to drive without proper coverage. This puts you and your loved ones at risk. Let's look at the numbers:

  • National percentage of uninsured drivers: 13.0%
  • Hawaii percentage of uninsured drivers: 10.6%

To better protect your family from unsafe drivers, you need uninsured/underinsured motorists or UM/UIM. UM/UIM will protect you and your finances from a significant loss if another driver does not have adequate insurance coverage. It will pay for your medical and property damage expenses due to an accident. 

When your family's health and safety is on the line, you should have the proper coverage in place. Speak with your independent agent on your UM/UIM insurance today.

Will Your Auto Policy Insure Uber Drivers in Honolulu, HI?

Things like driving for Uber, Lyft, Amazon, or livery-for-hire services are excluded from your personal auto policy. To have the protection you need, speak with your independent agent on commercial vehicle insurance

Your agent can quote a business auto policy so you can be insured against a lawsuit. Contact your local agent to discuss your business insurance needs. 

Find an Independent Insurance Agent in Honolulu, HI

If you're searching for an auto policy to suit your needs, an independent insurance agent can help. They have options on coverage and pricing so you can get the best deal.

When you work with an independent agent, they compare costs with other local carriers. Connect with an expert on TrustedChoice.com to get started.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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