Auto Insurance in Hawaii
Hawaii’s auto insurance rates are on the low side — on average $1,114 per year, compared to the nationwide average of $1,669. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:
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The rate you’ll end up paying is affected by exactly where in the state you live, as well as the weather and natural occurrences that arise in your area. Weather, volcanoes, and earthquakes are three of the unique factors that influence Hawaii’s car insurance rates. Getting multiple quotes can help you make the right decision.
Hawaii Minimum Liability
At $20,000 per person for bodily injury coverage, $40,000 per accident for bodily injury coverage, and $10,000 for property damage coverage, Hawaii’s minimum liability coverage is below the insurance industry recommended minimum of 50/100/50. However, there are circumstances that may require even more coverage.
The average bodily injury claim in 2013 was $15,443. Hawaii’s minimum may cover you for average and below average claims, but it’s important to remember that half of all claims were actually higher than this. You will be left responsible for paying any remaining claim amounts out-of-pocket, resulting in a large financial burden. It may be prudent to opt for a higher level of protection, such as 100/300/100, to make sure that you’re completely covered.
You can ensure that you’re getting the right amount of coverage for the right price by requesting rate quotes from multiple insurers. Each company uses different guidelines when deciding which rate to give you. You’ll need to compare the coverage and supplementary features each one offers to make an informed, wallet-friendly decision.
Cheapest Car Insurance in Hawaii
- $1,050State Farm
- $1,568Liberty Mutual
These companies offer the cheapest rates for car insurance, providing good options for budget-conscious drivers. Although there are advantages to lower monthly premiums, you may have to accept some downgrades.
This is most often things like less available customer service and slower processing of claims. However, if affordability is your number one concern, these inexpensive insurers can be a solid choice.
Most Popular Companies by Marketshare
- State Farm
- Liberty Mutual
The companies listed here are the most popular auto insurers in Hawaii. This is due in large part to the fact that they provide insurance coverage that’s specific to the needs of Hawaiian drivers.
Keep in mind that being the most popular doesn’t automatically translate into being the best choice. Sometimes, the most popular company is only popular because it has the ability to put out the most advertising. This makes them recognizable, and you should certainly request quotes from these insurers. However, you should compare their offerings with companies from other categories to ensure you’re getting what you need.
Choosing the Best Car Insurance in Hawaii
The ability to rely on your auto insurance company year after year is an important consideration for many drivers. The companies listed here are among the top-rated in the state, and are great places to start your car insurance buying journey.
There are several criteria they have to meet to be included here. The most important are the rates and coverage offered, claim management, customer service, and the overall financial strength of the company.
Where is car insurance most affordable?
Your exact car insurance premium depends on several factors, including where in Hawaii you live.
For instance, people in Hilo pay slightly above the state average, while drivers in Pearl City pay a bit lower.
Make sure that you get several quotes, so that you can measure them against one another and find the best choice for your circumstances.
Hilo Auto Insurance
With a population of over 43,000, Hawaii’s 3rd largest city has car premiums that are slightly more expensive than the state average. Cars are the primary way of getting around, so you need reliable car insurance. Although the city doesn’t experience as much volcanic activity as other areas of the state, it does have its fair share of earthquakes, making good coverage even more imperative. Your driving record and age will also factor into the rate you’ll receive.
Honolulu Auto Insurance
Honolulu, Hawaii’s largest city and state capital, is home to over 370,000 people. The city experiences both volcanic activity and earthquakes, but the auto insurance rates here are about equal to the average for the state. You also have to factor in your driving history and age, as these can place your rate higher or lower.
Kailua Auto Insurance
With a population of 38,635, drivers in this city enjoy rates that are slightly above the state average. The city is home to Lanikai Beach, one of the top-rated beaches in the world, so tourists are common. You may want to purchase extra coverage to insure against accidents caused by people who are unfamiliar with driving in your city.
Pearl City Auto Insurance
Pearl City is the 2nd largest city on O’ahu with 47,698 residents and has average insurance premiums slightly below the state median. This is because the city has lower volcano and earthquake risks than the rest of the state, as well as fewer drivers on the road.
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