Compare car insurance quotes from several top insurance companies and find the cheapest auto insurance rates in the state of Hawaii in less than 5 minutes. Let CheapQuotesCarInsurance.com teach you everything you need to know about buying affordable car insurance that fits your budget and your lifestyle. Learn about Hawaii minimum car insurance requirements and how the cost of auto insurance in Hawaii compares to the cost of auto insurance in other states. We offer top online car insurance comparison tools for Hawaii residents. Car insurance rates change every year, so be sure to view quotes from at least two insurance companies and lower your car insurance premiums today.

Hawaii Minimum Car Insurance Requirements:

Hawaii state law requires that car insurance policies must include a minimum bodily injury liability coverage limit of $20,000 for one person in an accident and $40,000 for all persons injured per accident. The minimum property damage liability coverage limit is $10,000. These minimum coverage limits for Hawaii are more commonly listed as 20/40/10. Hawaii also requires motorists to carry minimum personal injury protection coverage of $10,000. Hawaii does not require Uninsured/Underinsured Motorist coverage.

Hawaii’s Most Common Car Insurance Coverage

The cheapest Hawaii auto insurance policies will only meet the minimum state requirements for insurance coverage, but many customers will want and need more insurance coverage including: coverage for uninsured/underinsured motorists , collision, and comprehensive coverage. Discover which coverage is best for you.

Hawaii Auto Insurance Laws

Hawaii is a no fault insurance state. This means that each person’s insurance company covers their medical, lost wages, and funeral expenses that result from an accident regardless of who was at fault. There are exceptions to no-fault. If medical expenses exceed a certain amount, the at-fault driver will be responsible for paying for the damages. No-fault does not usually apply to property damage, so you may collect expenses either from your own insurance company or the other driver’s insurance company if the other driver is at fault.

Average cost of Car Insurance in Hawaii

The National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute (I.I.I.) provide data about car insurance premiums for all 50 states. Hawaii residents spend an average of $837 per year for car insurance (liability coverage). Hawaii ranks as the 36th cheapest state to buy auto insurance. The national average is $811 per year for car insurance (liability coverage). In 2010, Hawaii car insurance premiums have decreased slightly compared to 2009. Now is the time to compare auto insurance rates from multiple providers to lower your car insurance premiums.

We offer local car insurance quotes available in all of Hawaii including:

Hilo
Honolulu
Kahului
Kailua
Kaneohe
Kihei
Mililani Town
Pearl City
Waimalu
Waipahu

Insurance companies weigh the factors that affect your car insurance rates differently so everyone’s rates will be different for each company. Smart auto insurance shoppers will compare quotes from several car insurance companies to find the cheapest car insurance quote possible. CheapQuotesCarInsurance.com has partnered with top insurance companies like Geico, Nationwide, AllState, Esurance, Liberty Mutual, and Travelers to provide our customers with affordable quotes from highly reputable insurance providers. Enter your zip code and answer several general questions about your driving history to compare Hawaii auto insurance rates and save money on your auto insurance premiums.

To contact Hawaii’s department of Insurance:

hawaii.gov/dcca/ins

Mailing address:
Insurance Division
P.O. Box 3614
Honolulu, Hawaii 96811

Phone number
(808) 586-2790
 
Fax number
(808) 586-2806