Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Nov 12, 2020

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Hawaii state flagGiven that it’s the preferred destination for millions of Americans to spend at least a little bit of vacation time, the Aloha State needs little in the way of introduction. Hawaii is the newest state in the country, having joined the union in 1959. Since then, Hawaii has become lauded for its incredible beaches, active volcanoes, sun and surf. Below we’ll take a look at Hawaii auto insurance and how things work in the state.

Hawaii Auto Insurance Requirements

In Hawaii, the state liability coverage minimums are:
  • Bodily Injury Liability Coverage – $20,000 per person
  • Bodily Injury Liability Coverage – $40,000 per accident
  • Property Damage Liability Coverage – $10,000 per accident

Take a look at how Hawaii’s minimum rates compare with surrounding states.

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Personal Injury Protection (PIP) minimums:
  • $10,000 per person
Optional coverage options in Hawaii:
  • Comprehensive Coverage
  • Collision Coverage
  • Rental Car Coverage
  • Roadside Assistance / Towing Coverage
  • Uninsured/Underinsured Motorist Bodily Injury Liability Coverage
  • Uninsured Motorist Property Damage Liability Coverage

Hawaii is one of the few states that operate their auto insurance programs under what is known as the “no fault” system. In Hawaii’s version of this system, when an accident occurs the driver who caused it will be determined “at fault”, but claims will be made to your own insurance company as opposed to suing the “at fault” driver and their insurance company. This tends to remove some of the complications involved with an accident, but does limit your ability to sue for damages.

Drivers in Hawaii must purchase insurance policies that reach a certain minimum before they will be allowed on the road. Personal Injury Protection insurance covers the insured driver and their passengers for any injury treatment, rehabilitation or other costs that are incurred in an accident. If the other party caused the accident, PIP will usually kick in after the other party’s insurance coverage is exhausted (if you still have necessary costs). A minimum of $10,000 of PIP coverage is required.

Bodily Injury Liability works much like the above PIP coverage, except it’s intended to cover any parties in the other vehicles (or pedestrians) in the accident when you are at fault. For example, if you cause an accident and the other driver becomes injured, your BIL coverage will pay for their medical treatment and other costs. Drivers in Hawaii must have a minimum coverage of $20,000 per party, per accident and $40,000 for all parties in a single accident.

Property Damage Liability is the last policy that is required for all Hawaiian drivers. This insurance covers any damage you cause to other cars or structures when you are at fault for an accident. The minimum amount of PDL coverage required in Hawaii is $10,000; this is somewhat low so if possible, try to bump it up.

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Auto Insurance Rates In Hawaii

Hawaii is one of the least expensive states in the country to insure a vehicle, so if you live in Hawaii consider yourself extra lucky! The average auto insurance premium across the state is $1140, which is about $300 per year lower than the national average of $1439.

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Drivers in Honolulu pay a bit more, at $1225, which is the case for most drivers who live in higher-risk metropolitan areas. Those who live in Hilo pay just $1160 per year, on average.

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There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

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While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. Thankfully, Hawaii is one of the few states that has outlawed charging different rates by gender, paving the way for gender equality in the world of auto insurance.

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With auto insurance rates this low, it definitely pays off to purchase supplemental coverage. If you have space in your budget, be sure to bump up your auto insurance to higher coverage amounts.

Hawaii Auto Insurance Rates by Company

Though the state boasts very cheap auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies.

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But which companies are the largest, holding the most market share percentage in the region?

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Hawaii Accident And Theft Stats

While Hawaii doesn’t report much in the way of annual crash statistics, they do publish data regarding traffic accidents and fatalities. Since 2006, annual traffic fatalities have been on the decline, dropping from 161 to just 109 fatalities in 2009. This drop is largely due to a huge push to get Hawaii’s drivers to buckle up. In the same time period, seat belt use rose by about 5%, thanks to a push by Hawaii’s law enforcement. The data in Hawaii shows that more than half of the people who suffered fatal injuries in crashes weren’t wearing their seat belt; no matter where you are, it pays to buckle up!

The news is just as good when it comes to auto thefts. The number of vehicles reported stolen has dropped by more than half since 2002, with just 4,819 auto thefts in 2009. This is a huge drop, and both drivers and police officers should be applauded for their focus on reducing the relatively high auto theft rates in Hawaii. With both the crash fatality rates and the auto theft rates dropping, drivers in Hawaii should continue to see their auto insurance premiums come down in overall cost.

Finding the best Hawaii auto insurance rates is easy, thanks to the tools developed for you here at 4AutoInsuranceQuote.com! Simply scroll up to the top of the page and enter your ZIP code in the box to get started; you’ll be able to compare quotes from the different auto insurance companies that operate in Hawaii.

Don’t get stuck paying exorbitant rates for auto insurance! Use the quick tool at the top and you’re guaranteed to save.

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Hawaii Auto Insurance Agents

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Hawaii Auto Insurance Resources