Car insurance in Hawaii, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Hawaii car insurance coverage isn't just something that drivers in the "Aloha State" should have; it's something they
have.
Hawaii auto insurance coverage doesn’t have to break the bank. You may be able to save by shopping around, declining unnecessary coverage and trading high deductibles for lower premiums. Indeed, you can cut costs, but you can't cut corners. If you drive in Hawaii, you need auto insurance in Hawaii. Here's what kind and how much, according to Hawaii state law:
The best contacts and resources to help you get it done
Browse Hawaii auto insurance rates online
If you need Hawaii auto insurance, online quotes are a good starting point. Available from all major auto insurance companies in Hawaii, they offer a fast and convenient way to research and compare premiums.
I recommend: Get comprehensive online quotes from Hawaii car insurance providers at websites like
InsWeb,
Insurance.com,
InsuranceUSA and
InsuranceFinder, or from companies like
Progressive and
Esurance, which quote both their own and competitors' rates.
Solicit Hawaii auto insurance rates from national providers
Most major car insurance carriers offer auto insurance in Hawaii and all provide competitive Hawaii auto insurance rates.
I recommend: Among the largest and most popular car insurance companies in Hawaii are
AIG,
Allstate,
Chubb,
Farmers,
GEICO,
The Hartford,
Liberty Mutual and
State Farm. National associations like
AAA and
AARP are also good sources for affordable auto insurance in Hawaii.
Get car insurance in Hawaii from local companies
In Hawaii, auto insurance rates can vary dramatically; for some of the most affordable, consider locally based providers.
I recommend: For automotive insurance in Hawaii, try Hawaii-based companies like
AIG Hawaii,
First Insurance Company of Hawaii and
DTRIC Insurance. Also consider local programs like the
Hawaii Joint Underwriting Plan, which exists for drivers who can't easily find auto insurance in Hawaii.
Use an independent agent to find Hawaii car insurance bargains
Buying car insurance in Hawaii via an independent insurance agent can expose you to new resources, practical advice and special rates.
I recommend: To find an independent agent who can sell you car insurance in Hawaii, search the member directory at the
Independent Insurance Agents & Brokers of America.
Choose Hawaii auto insurance companies that you can trust
Before doing business with Hawaii car insurance providers, review their records with consumers to make sure they are reliable, reputable and responsible.
I recommend: If you subscribe to
Consumer Reports, you can check up on car insurance companies in Hawaii. Another good resource is the
Hawaii Department of Commerce & Consumer Affairs, which compiles statistics on complaints about auto insurance companies in Hawaii.
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