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hawaii car insurance

Whether you live in Honolulu, Hilo, Kailua, Kaneohe, or Kapolei, with so many providers selling Hawaii auto insurance policies, how do you know what coverage is right for you? All drivers in this state must be covered under liability car insurance. You should always carry the proof of car within the vehicle at any moment. Hawaii car insurance regulations are stricter than those in many other states. If a driver doesn’t have insurance coverage, they must surrender the license plates to their county director of finance.

 

Hawaii Auto Insurance – Average Premiums

The automotive insurance market isn’t as big or as varied as it is in other states. The general consensus is that the state average hovers somewhere around $108 monthly. However, some places might cost as much as $114 each month, while other places could be as low as $106.

Average Auto Insurance Costs in Hawaii Legend: Major City Hilo Honolulu Kialua Kaneohe Kapolei State Average 10 20 30 40 50 60 70 80 90 100 110 $114 $106 $106 $106 $106 $108

 

These are the averages, to get your personalized Hawaii vehicle insurance quote and compare rates in your area, please enter your zip code into the search box here on this page.

Important Hawaii Auto Insurance Laws and Requirements

Looking for cheap Hawaii car insurance? Hawaii requires liability insurance, with minimum of $20,000 for injury liability, $40,000 for all injuries, and $10,000 in property damage. Uninsured/underinsured motorist coverage and no-fault insurance are not required in this state. Additionally, Hawaii car insurance regulations are stricter than those in many other states. If a driver doesn’t have insurance coverage, they must surrender the license plates to their county director of finance.

Coverage Requirements Most Common
Bodily Injury Liability 20,000/40,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 20,000/40,000
Medical Payments Not required 2,000
Collision Not required 250 deductible
Comprehensive Not required 1,000 deductible

 

Choosing the Right Amount of Hawaii Car Insurance Coverage

Your insurance agent’s job is to sit down with you, analyze your specific needs, and help you decide based on those and based on your budget what type of insurance coverage is right for you. Obviously, every vehicle will need at least the state minimums. More expensive vehicles might need Comprehensive coverage, Collision, Uninsured Motorist coverage, and more.

Basic vs. Comprehensive Auto Insurance Legend: Basic Coverage Comprehensive Coverage Hilo Honolulu Kialua Kaneohe Kapolei State Average 15 30 45 60 75 90 105 120 135 150 $66 $163 $68 $144 $68 $144 $68 $144 $41 $144 $62 $147

 

Hawaii DUI Laws

For the first DUI offense, drivers can receive up to a $1,000 fine, face a 6 months license suspension, and up to 6 months of imprisonment. Drivers are required to file an SR-22 to reinstate a suspended driver license after a DUI, uninsured auto accident, or driving without insurance. Additionally, Hawaii is one of the more expensive states when it comes to rate hikes from DUI convictions, as you can see in the chart below.

DUI Car Insurance Costs in Hawaii Legend: Clean Record DUI Violation Hilo Honolulu Kialua Kaneohe Kapolei State Average 15 30 45 60 75 90 105 120 $28 $120 $42 $116 $28 $116 $33 $116 $16 $116 $30 $116

 

Age Limit Laws

Teenage drivers tend to have higher rates because of their lack of driving experience. And in recent years, graduated driver laws have been passed in order to introduce teenagers to the road more slowly and with proper supervision. In Hawaii, young drivers can apply for their learner’s permit at 15 years and 6 months of age. During this stage, they must get a total of 50 supervised driving hours (10 at night) and wait until their 16th birthday before they are eligible for an intermediate permit. During the intermediate stage, they are not allowed to be on the road between 11:00 PM – 5:00 AM unsupervised, and they are not allowed any passengers under the age of 18 who are not family members. At the age of 17, the young driver is eligible for full driver privileges.

Auto Insurance by Age Legend: Average Rates for Teenage Drivers College Anchorage Fairbanks Juneau Kenai State Average 10 20 30 40 50 60 70 80 90 100 $103 $106 $106 $106 $63 $97

 

Credit Score Laws and Regulations

There are only three states in the US with consumer protection laws in place which make it illegal for your automotive insurance provider to raise your rates for having a poor credit score. Hawaii is one of them. This has good and bad sides to it. Those who haven’t been lucky enough to earn a high credit score won’t be busting their budget paying inflated prices for their insurance coverage. However, insurance companies will charge everyone slightly higher prices to make up for these perceived lost profits.

 

Insuring your Vehicle in Hawaii

Lots of people believe that the insurance they purchase is for them as a driver. But what usually happens when you cause an accident in someone else’s vehicle? Or if someone borrows your truck and gets into an accident? The truth is that the financial responsibility falls on the company insuring the vehicle, no matter who is driving. This is a big reason your provider will ask detailed questions about your vehicle before issuing a policy.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxter Spyder Hilo Honolulu Kialua Kaneohe Kapolei State Average 15 30 45 60 75 90 105 120 135 150 $66 $163 $68 $144 $68 $144 $68 $144 $41 $144 $62 $147

 

Additional Hawaii Auto Insurance Laws and Requirements

All of the factors above, when added together, will make a big difference over what you pay vs. what your next-door neighbor might be paying. The next set of factors we are going to discuss might not make as much of a difference, but they are good to know just in case.

Highway Safety Laws

Currently, there are no state laws which specifically punish driving actions which are considered aggressive in most states, such as tailgating or driving at excessive speeds. In most areas, however, having fewer aggressive driving laws on the books encourages dangerous and risky behavior behind the wheel, which can raise the likelihood of accidents.

Aggressive Driving No
Cell Phones and Texting Laws Yes
Inc. Penalty for High BAC BAC 0.15
Admin. License Susp. on 1st Offense 3 months

 

Speed Limits and Cell Phone Use

Hawaii does have concern for the safety of its motorists when it comes to cell phone use, however. There is a primary all-driver ban on both texting behind the wheel, and also for talking on a cell phone while driving. And the primary level of enforcement means that catching careless drivers using a cell phone behind the wheel is all the reason they need to pull over a driver and ticket you.

Rural Interstate 60 mph
Urban Interstate 60 mph
Other Limited-Access 55 mph

Important Hawaii Contacts

Hawaii Department of Revenue – Motor Vehicle Division – click here for information on obtaining your driver’s license, requirements for ID cards, and vehicle registration.

Official State Hawaii Website

Hawaii Department of Insurance

How to contact directly:

Hawaii Insurance Div.
King Kalakaua Building
335 Merchant Street, Rm. 213
Honolulu, Hawaii 96813
Phone: 1-808-586-2790

These Hawaii Car Insurance Companies Offer The Lowest Rates In Your Area

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