Hawaii is a stunning state with unique car insurance laws that may differ from state to state. Like all states, car insurance in Hawaii varies depending on driver and coverage level based on factors like driving record, credit scores and marital status – with premiums also fluctuating depending on zip code or city location. By filling out the form above you will gain access to customized quotes from top carriers quickly and effortlessly – giving you an effortless way to secure yourself the lowest possible car policy rate!
How Much Do Full Coverage Policies Cost in Hawaii? On average, full coverage Hawaii car insurance policies typically cost $1,672 annually in Hawaii and include collision and comprehensive coverage as well as a $500 deductible. While full coverage policies offer the most protection, they can also be expensive – for instance those with prior DUI convictions could see their rates increase up to 277 percent! This increase would almost triple what was originally paid prior to any incident.
Hawaii does not consider age or gender when setting rates, meaning those with clean driving records and stellar credit will pay the same as those involved in an at-fault accident or speeding ticket. Shopping around and comparing rates could save hundreds of dollars annually!
Along with factors like driver record, age and marital status, other elements that can impact Hawaii car insurance rates include vehicle make and model, safety features and whether or not it is garaged at home or left on the street. Drivers in Hawaii should also consider how many miles they travel annually as this can significantly change premiums; their area can also have an effect as different neighborhoods pose different risks depending on crime rate, traffic patterns or any other circumstances that could deem their life riskier than another’s.
To assist drivers in Hawaii in finding the best car insurance deals, we analyzed prices from multiple companies and ranked them according to their rates. The top car insurers are those offering competitive rates with convenient online services and excellent customer support; AM Best ratings and loss ratios also play an important role – it shows financial strength; therefore we recommend selecting a provider with an AM Best rating of B++ or higher and loss ratio within industry standards as your ideal provider.
Along with comparing local provider rates, we also conducted research into national car insurance companies that offer Hawaii drivers discounts, such as safe driving programs and student discounts, bundling discounts for homeowners or auto policies and bundling discounts for both policies. Overall, GEICO had the lowest overall rates due to their combination of low premiums, excellent customer reviews and multiple policy discounts.