You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout animation ’ s fiscal travel. Bankrate ’ s editorial team writes on behalf of YOU – the reader. Our finish is to give you the best advice to help you make smart personal finance decisions. We follow hard-and-fast guidelines to ensure that our editorial message is not influenced by advertisers. Our editorial team receives no mastermind recompense from advertisers, and our capacity is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and reliable information. We value your trust. Our mission is to provide readers with accurate and indifferent information, and we have column standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial subject to ensure the information you ’ rhenium read is accurate. We maintain a firewall between our advertisers and our column team. Our editorial team does not receive direct compensation from our advertisers. Bankrate follows a rigid column policy, so you can trust that we ’ rhenium putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right fiscal decisions. All providers discussed on our locate are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ ra putting accuracy first. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — indeed you can feel confident about which provider is correct for you. Bankrate follows a stern editorial policy, so you can trust that we ’ rhenium putting your interests first. All of our contented is authored by highly qualify professionals and reviewed by subject matter experts, who ensure everything we publish is objective, accurate and worthy of your believe. Founded in 1976, Bankrate has a long track record of helping people make ache fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making process and giving people assurance in which actions to take next. While we adhere to strict editorial integrity, this military post may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. If you are moving to the islands or think of switching carriers, knowing the average price of car insurance in Hawaii could give you a good baseline when shop for coverage. Hawaii car insurance rates depend on whether you need full coverage or basic indemnity. The country ’ second minimum coverage is army for the liberation of rwanda cheaper — average car insurance rates in Hawaii are $345 per year for minimum coverage and $1,127 per year for full coverage.
How much does car insurance cost in Hawaii?
The average cost of policy in the U.S. is $ 565 per year for minimum coverage and $ 1,674 for full coverage. Although your actual cost of coverage may vary importantly based on personal factors, Hawaii ’ sulfur rates are significantly cheaper. Hawaii drivers by and large pay $ 1,127 per annum for full coverage and $ 345 annually for minimum coverage.
several factors such as placement, driving history, long time, the carrier you choose and coverage character could affect your premiums. however, Hawaii is singular when compared to most states because its rates do not vary much from the average due to strong anti-discriminatory laws that prevent insurance carriers from assessing drivers based on credit scores or senesce. however, saving even a belittled share on your annual car policy premiums can free up early parts of your budget. You may be able to control some of the factors that affect your rates in Hawaii, such as the car insurance supplier you choose or in some region, the driving habits that could impact your repel record. You may have to work with other factors ( such as location-related increases ) by finding early discount rate opportunities to offset higher premiums. Take an in-depth look at Bankrate ’ s price of coverage findings based on the factors that affect car insurance premiums .
Hawaii car insurance rates by company
Bankrate examined the best car indemnity companies in Hawaii to compare their rates. Of the exceed five companies, USAA offers the bum car policy. however, USAA does not provide policies to everyone. entirely veterans, military members and their families may qualify for USAA car policy. But because of Hawaii ’ s generally depleted rates, each of the follow companies may be worth considering for coverage as they all offer average premiums well below the national average .
|Car insurance company
|Average annual premium for minimum coverage
|Average annual premium for full coverage
Hawaii car insurance rates by city
Hawaii car indemnity rates do not typically change by city or borough arsenic a lot as is seen in early states. After collecting quotes for the top 20 most populated cities on the islands, Hilo on the Big Island ended up having the largest increase in car indemnity rates from the average. however, the annual remainder in price is relatively small .
|Average annual premium for full coverage
|% difference from state average annual premium
Hawaii car insurance rates by age
Hawaii may be the only state in the area where car policy rates for a young driver are closely the lapp as an older driver. As note, anti-discriminatory laws have pushed policy companies to keep rates clean and equitable to all drivers, older and newer. While adolescent driver rates across the area are typically bivalent or evening triple that of older, more experience drivers, Hawaii ’ s rates for youthful adults are relatively low-cost. *16-year-old calculated on parent ’ south policy disclosure. Hawaii sees minimal added cost with a 16-year-old on a rear ’ south policy, but rates may vary from the modal .
Hawaii car insurance rates by driving record
The one sphere you may see a bombastic difference in Hawaii cable car policy rates is when there have been negative changes on your drive commemorate. Having a single speed ticket or cable car accident in Hawaii will normally perceptibly increase your annual fomite policy rates .
|Average annual full coverage premium in Hawaii
|% increase of average annual premium
How to save on car insurance in Hawaii
Hawaii is already one of the most low-cost states to find car policy, particularly for younger drivers who would typically pay extremely high rates. however, you may still be able to save further a few ways :
- Bundle insurance: Buying car and home or renters insurance with the same carrier could reduce your premiums for all policies.
- Multi-vehicle: You could opt to keep all vehicles and drivers in your household on the same policy for savings on all of them, as long you meet the criteria set by the provider.
- Disappearing deductible: Choosing a carrier that reduces your deductible every year you do not have a claim could lower your out-of-pocket costs as long as you maintain a clean record.
- Complete a driving course: Getting ticketed for a moving violation such as a speeding ticket may be one of the largest impacts to your premiums. Attending an approved traffic school or defensive driving course after a ticket could dismiss the points that would affect your insurance rates.
Frequently asked questions
How much is car insurance in Hawaii per month?
Based on Bankrate ’ randomness median annual agio findings, monthly car insurance premiums in Hawaii for minimum insurance are $ 28.75 and $ 93.92 for wide coverage .
What are the best car insurance companies in Hawaii?
The best car policy company is normally the one that offers coverage you can afford and that helps you pay for necessity vehicle-related costs such as an accident after a call or refilling costs if your vehicle is totaled. fortunately, there are plenty of popular, low-cost providers in Hawaii. Because of this, getting quotes you are comfortable with may be less difficult .
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive record, dependable credit and the follow full coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimal coverage limits, Bankrate used minimum coverages that meet each submit ’ south requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. Age: Rates were calculated by evaluating our al-qaeda profile with the ages 18-60 ( base : 40 years ) applied. Incident: Rates were calculated by evaluating our infrastructure profile with the follow incidents applied : clean record ( foundation ), at-fault accident, single speed tag, one DUI conviction and relapse in coverage .