The Cheapest Car Insurance in Hawaii for 2022 | https://insurecar.info

There are respective factors affecting car insurance rates in Hawaii, including driving history and coverage levels. GEICO offers the most low-cost policy in Hawaii for the average driver, but other carriers may besides be good options depending on your profile. For example, State Farm offers the lowest rate for seniors or if you have a DUI on your record. USAA is another low-cost option for former and stream military members and their families .iconribbon cheap car insurance

hawaii 2022

The Cheapest Car Insurance in Hawaii

Cheapest Minimum Liability Car Insurance in Hawaii

vehicle owners need to have car policy in Hawaii. The cheapest car indemnity is a minimum liability coverage policy that meets the express ’ randomness car insurance requirements. The cheapest providers of minimum coverage in Hawaii are :

  • GEICO: $333 per year
  • State Farm: $436 per year

USAA is the cheapest car insurance for military at roughly $ 297 per year, but USAA is only available to current and early military members. The most expensive car insurance for minimum coverage is Progressive, costing $ 739 per class on average .

Cheapest Minimum Car Insurance in Hawaii
  • company annually monthly
  • 1 .USAA $ 297 $ 25
  • 2 .GEICO $ 333 $ 28
  • 3 .State Farm $ 436 $ 36
  • 4 .Allstate $ 542 $ 45
  • 5 .Farmers $ 672 $ 56
  • 6 .Progressive $ 739 $ 62

These prices are alone estimates based on rates for an average Hawaii driver and should not be used to compare policy prices .Insurance Rates

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Cheapest Full Coverage Car Insurance in Hawaii

ideally, you should get car indemnity quotes to find the lowest rates. A entire coverage policy with higher liability limits and comprehensive examination and collision policy will ensure you ’ ra protected against most road accidents and off-road incidents in Hawaii. It will cost more than minimum coverage, but it protects against the cost of damages to your cable car, not good others. The cheapest car policy carriers in Hawaii for full coverage are :

  • GEICO: $646 per year
  • State Farm: $835 per year

USAA is the second-cheapest choice and costs roughly $ 657 per year. however, these policies are only available to current and former military members. progressive offers the costliest wide coverage with modal annual prices of $ 1,457 .

Cheapest Full Coverage Car Insurance in Hawaii
  • caller per annum monthly
  • 1 .GEICO $ 646 $ 54
  • 2 .USAA $ 657 $ 55
  • 3 .State Farm $ 835 $ 70
  • 4 .Allstate $ 1,112 $ 93
  • 5 .Farmers $ 1,281 $ 107
  • 6 .Progressive $ 1,457 $ 121

Please remember that your individual prices will be different from these examples. The rates are for a policy with comprehensive examination and collision policy and with $ 100,000 in bodily injury indebtedness coverage per person, $ 300,000 in bodily injury indebtedness coverage per accident and $ 100,000 in property damage coverage per accident.

How to Compare Cheap Hawaii Car Insurance Quotes Online

Most insurers in Hawaii will allow you to get a reasonably accurate quote on their web site .

  • Determine the coverage levels you need so you can compare quotes consistently. For example, if you get a quote with one provider for comprehensive and collision with a $1,000 deductible, you should make sure to use the same limits with other carriers.
  • You can use MoneyGeek’s price data as a guide to finding insurer websites to visit. MoneyGeek’s car insurance calculator allows you to find estimated car insurance costs using your ZIP code. If you want a personalized quote, you’ll need to put in more detailed information.
  • The three cheapest companies for liability coverage in Hawaii are USAA, GEICO and State Farm. You can begin your search for a suitable policy by getting the prices of these providers.

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country hawaii historic period 30-65 drive record uninfected citation grudge excellent Vehicle Type compact Vehicle year 2020 Liability Coverage express Min Comprehensive and Collision Insurance none gender female

Average Annual Auto Insurance Rates

Click the segment of the steering wheel in your price range to see options. depleted end on modal high end Click your choose price range to see company options. Click an insurance company below to visit their review page or continue to your personalized quote. company average annual Rates 1 .USAA $ 368 2 .GEICO $ 413 3 .State Farm $ 541

Cheapest Car Insurance for Drivers With a DUI in Hawaii

Hawaii drivers with a austere drive discourtesy, such as a DUI, may be charged higher rates. The average cost of cable car insurance for drivers with a DUI in Hawaii is $ 3,346 per year compared to $ 1,066 for the average driver with a immaculate read. The cheapest car policy options for a driver with a DUI and full coverage in Hawaii are :

  • State Farm: $911 per year
  • Progressive: $2,344 per year

USAA is the second most low-cost option and costs roughly $ 1,294 per year, but it is entirely available to current and former military members. In comparison, GEICO and USAA are the most low-cost companies in Hawaii for drivers with no phonograph record .

Average Car Insurance Rates With a DUI
  • company annually monthly
  • 1 .State Farm $ 911 $ 76
  • 2 .USAA $ 1,294 $ 108
  • 3 .Progressive $ 2,344 $ 195
  • 4 .Allstate $ 3,260 $ 272
  • 5 .GEICO $ 4,256 $ 355
  • 6 .Farmers $ 5,961 $ 497

Finding cheap car policy with a DUI in Hawaii may seem difficult, but it can be done. Drunk drive accounted for 400 deaths in Hawaii between 2009 and 2018, according to the Centers for Disease Control and Prevention. In a study of adults who reported drive after drinking excessively much in the previous 30 days, 2.1 % of Hawaiians stated they had – as compared to a national median of 1.7 %. Those catch driving under the influence are topic to fines and driving suspension, both of which can make policy rates go up. The table below provides approximate costs of car indemnity for those with a DUI on their records. If you are convicted of a DUI in Hawaii, plan for car insurers to charge you a higher agio. Unless you receive another DUI, the charge will finally fall off your record and you can access reduced rates. The real monetary value of receiving a DUI can be high, but there are things you can do to lessen the fiscal charge.

Cheapest Car Insurance in Hawaii for Drivers With an At-Fault Accident

Having an at-fault accident on your driving record causes your annual agio to increase. In Hawaii, drivers with at-fault accidents pay $ 1,397 per year on average for car indemnity. That ’ s $ 331 more expensive than a driver with a clean record which costs an average of $ 1,066 annually. MoneyGeek compared respective car policy companies and found the ones with the cheapest policies for drivers with at-fault accidents on their records to be :

  • GEICO: $924 per year
  • State Farm: $987 per year

If you ’ rhenium eligible, you can purchase a policy from USAA for $ 805 per class on average .

Cheapest Car Insurance With an At-Fault Accident
  • company annually monthly
  • 1 .USAA $ 805 $ 67
  • 2 .GEICO $ 924 $ 77
  • 3 .State Farm $ 987 $ 82
  • 4 .Allstate $ 1,610 $ 134
  • 5 .Farmers $ 1,949 $ 162
  • 6 .Progressive $ 2,104 $ 175

Distracted drive accounted for 110 fatal accidents across Hawaii in 2018 alone. While not every distracted drive incident results in a shipwreck, Hawaii police departments take this misdemeanor seriously. Statewide, the police issued 14,500 distracted driving citations in 2018 in addition to speeding tickets. While Hawaii does not presently employ a points-based system, tickets can hush result in higher car indemnity rates. Check out the postpone below to get a sense of estimate costs for those with a ticket on their record. Tickets for distract force or speed can impact your rates for a act of years, depending on the severity of the ticket and how many you receive over a given time time period. First-time offenders may be able to remove the ticket from their record by participating in safe-driving train. Distracted drive can cost a lot more than merely higher policy rates, making it significant to stay focused on the road. hawaii

Cheapest Car Insurance Companies in Hawaii for Drivers With Bad Credit

Unlike other states, cable car insurers in Hawaii can not use your credit score to determine your costs. however, it ’ s inactive authoritative to maintain a healthy credit score as it can help you with other fiscal needs like accredit cards, loans and mortgage lending. In many states, indemnity companies use a driver ’ mho credit score to influence rates. Experian found that the average credit score in America was 703 as of 2018, while Hawaii ’ mho average was 723 during the same period. Despite Hawaii ’ s higher-than-average credit scores, however, credit scores can not be used to inform policy costs. Hawaii is one of a humble group of states that do not allow insurers to weigh a driver ’ second credit score. While your citation grudge may not impact your car policy rates in Hawaii, it can influence other aspects of life, including mortgage lend, loans and recognition cards. Improving your credit score can help improve your finances overall.

Cheapest Car Insurance in Hawaii for Seniors

In most states, senior drivers are charged slightly higher rates than the average. however, in Hawaii, senior drivers pay the same average total for their car policy as the typical adult driver. This rate is $ 1,066 per year. The least expensive carriers in Hawaii for elder drivers with fully coverage are :

  • GEICO: $646 per year
  • State Farm: $835 per year

USAA is the second most low-cost option at roughly $ 657 per year, but it is only available to current and erstwhile military members. These two providers besides offer the cheapest full moon coverage for the average driver who is 40 years previous .

Average Car Insurance Rates for Seniors
  • company annually monthly
  • 1 .GEICO $ 646 $ 54
  • 2 .USAA $ 657 $ 55
  • 3 .State Farm $ 835 $ 70
  • 4 .Allstate $ 1,112 $ 93
  • 5 .Farmers $ 1,281 $ 107
  • 6 .Progressive $ 1,457 $ 121

Seniors may face unique factors when looking for car insurance in Hawaii, but they can much lower their rates by finding coverage that fits their stage of life. Retirees, for case, typically drive less than they did when working and may need a different character of coverage. While many seniors are safe and alert drivers, others aren ’ thymine and can cause premiums to rise for everyone. Drivers aged 65 and above accounted for 13.2 % of fatal dealings crashes in the department of state for 2017. Review the table below to get a smell of approximate costs for this population. Hawaii ’ second DMV besides sets specific rules around licensing senior citizens. They must apply for their license in person and successfully pass a vision test once every eight years up until the age of 72. Once they turn 72, licenses must be renewed every two years.

Cheapest Car Insurance in Hawaii for Young Drivers

Age doesn ’ deoxythymidine monophosphate shock your policy rates in Hawaii, but placement, driving history and coverage levels do. In most states, young drivers pay higher premiums because of their inexperience. In Hawaii, however, the revoke is true. car indemnity for unseasoned drivers is cheaper in this state of matter, although only slenderly. An modal driver pays $ 1,066 for coverage. A 16-year-old pay $ 995 a class on average, while for 25-year-olds, it ’ s an median of $ 993 per annum. Among the respective car indemnity companies in Hawaii, GEICO is normally the most low-cost for adolescent drivers aged 16–25 .

Annual Car Insurance In Hawaii for Young Drivers

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  • old age average monetary value Cheapest company company cost
  • 16

    $995

    State Farm

    $704

  • 17

    $995

    State Farm

    $704

  • 18

    $995

    State Farm

    $704

  • 19

    $1,022

    GEICO

    $708

  • 20

    $1,022

    GEICO

    $708

  • 21

    $1,003

    GEICO

    $635

  • 22

    $1,006

    GEICO

    $635

  • 23

    $993

    GEICO

    $635

  • 24

    $993

    GEICO

    $635

  • 25

    $993

    GEICO

    $635

Adding a adolescent to your insurance policy will significantly increase your bounty, but there are a few things your student can do to keep rates a gloomy as potential. These include :

  • Maintain a clean driving record with no crashes or moving violations. Many insurance companies offer discounts for three years or more with a clean record.
  • Keep up the grades. Some insurance companies offer Good Student Discounts.
  • Only drive the family’s oldest, least expensive car. Avoid driving convertibles, sports cars and SUVs as they are usually more expensive to insure.
  • You may also want to ask your insurance company about an “accident forgiveness” clause that guarantees premiums will not increase after one minor accident. If your child attends a nearby college and still lives at home, she/he will still be insured. If your child is away at school for nine months a year, you must inform your insurer of the move and find out if your child is still covered. If your child has no plans to drive at school, you may be able to remove her/him from your policy. Alternatively, some insurers offer a discount if your student lives more than 100 miles from where the insured vehicle is kept and doesn’t have access to a car while at school.

careless of best intentions, teenagers frequently have higher rates of crashes ascribable to possessing less experience behind the wheel. Because of this, policy companies frequently charge higher cable car policy premiums to protect them and others in the event of an accident. The table below takes a look at median monthly costs from a few of the top car indemnity companies in Hawaii.

Insurance Rate Information for Military Drivers and Veterans

Hawaii has more than 71,000 active, reserve and civilian-military personnel living in the state aboard 112,304 veterans. If your Hawaii driver ‘s license expires during an abroad deployment, you have 90 days upon your render to the United States to renew it. Bring proof of deployment along with your other papers when you apply for refilling. Before leaving for deployment, talk with your indemnity agent about whether you can suspend parts of your car insurance. If your car wo n’t be used in your absence, this could be a condom way to save money on your agio .

Average Rates for Hawaii service members

male 25 years

$1,319

50 years

$1,319

female 25 years

$1,319

50 years

$1,319

Car Insurance in Hawaii: What You Need to Know

Hawaii requires insurance for all motor vehicles registered in the state and does a better caper than most states of enforcing this rule. According to the Insurance Research Council, an estimated 10.6 % of hawaiian drivers are uninsured, which is well below the home average of 13 %. Motorcycle and motor scooter drivers are exempt from the personal injury protective covering ( PIP ) requirement. hush, they must purchase the same minimal bodily injury and property price indebtedness indemnity as other drivers .

Proof of Insurance in Hawaii

You must carry a valid Hawaii centrifugal fomite indemnity identification card in your vehicle at all times. If you do n’t, you can receive a tag and a finely .

Minimum Liability Insurance Requirements in Hawaii

Hawaii requires all drivers of drive vehicles to carry the follow minimal coverage :

  • $10,000 personal injury protection (PIP) to cover medical costs, regardless of who is at fault
  • $20,000 bodily injury liability per person to cover third-party medical expenses if you are at fault
  • $40,000 bodily injury liability per accident
  • $10,000 property damage liability to cover third-party property damage if you are at fault

By police, your policy agent must advise you of uninsured and underinsured motorist insurance options. If you choose to decline this indemnity, you must do so in writing .

How Much Coverage Do You Need in Hawaii?

If you can afford it, experts recommend liability coverage of 100/300 — that is, $ 100,000 per person and $ 300,000 per accident, according to the Insurance Information Institute. There are ways to reduce your premiums without reducing your coverage, such as bundling your car and homeowners insurance. You can besides keep your premiums down by maintaining a blank drive record. besides, driving less can lower your premiums. If you rarely drive, you can reduce your premiums by 15–25 % in some cases.

Cheapest Car Insurance in Hawaii by City

Where you live much changes how much you pay for car policy. If you live in Honolulu, the most populous city of Hawaii, the average monetary value of cable car indemnity for a fully coverage policy is $ 1,066 per year. Drivers who reside in other cities may have slenderly different rates. Click on the city to get more detail information about car policy there .

Average Insurance Rate by City in Hawaii

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  • City annually monthly
  • 1 .Honolulu $ 1,066 $ 89

FAQs About Car Insurance in Hawaii

To help you make an inform buy decision, MoneyGeek provides answers to frequently asked questions about car insurance coverages and rates in Hawaii .

USAA offers the cheapest minimum liability coverage in Hawaii. But it serves only veterans, current military members and their families. The next good option is GEICO, with average annual costs of $ 333 .

In Hawaii, the average cost of car policy is about $ 89 per month or $ 1,066 per year .

The best car indemnity company in Hawaii can vary based on your driver profile and needs. Compare quotes to find the best option for you .

To minimize your premiums, you need to compare quotes from multiple providers and get the right degree of coverage for your needs .

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see you ‘re getting the best rate for your car indemnity. Compare quotes from the peak policy companies. widget-location-pin About the authorexpert-profileexpert-profile Katy McWhirter is a professional writer and owner of Heritage Creatives, a boutique historical stigmatize means. She has experience in nonprofit organization management, market, personal finance, government relations and education from her decade-plus write career. Katy ’ s work has been featured in both the United States and afield, highlighting the need for research-driven, accessible data on fiscal topics. Katy earned her bachelor ’ s degree in social entrepreneurship from Belmont University in Nashville, Tennessee, and her master ’ s academic degree in modern history from the University of York in England. She spends her free time with her husband and two cats, restoring their 1901 home in Louisville and reading up on all things personal finance.

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