Best car insurance in Hawaii

 Hawaii's twisting motorways are clogged with approximately 943,000 licenced drivers and 10 million tourists in 2019. Hawaii, like the majority of states, has minimal auto insurance requirements. You must have car insurance coverage if you live in the Aloha State.

The average cost of car insurance in Hawaii

Hawaii has one of the lowest auto insurance rates in the country, with drivers spending an average of 1.28 percent of their household income on auto insurance. The average annual cost of car insurance in Hawaii is $1,127 for full coverage and $345 for minimum coverage. The national average for full coverage per year is $1,674 and $565 for minimum coverage.

Car insurance rates are determined in part by the likelihood of being involved in an accident. In 2019, there were only 102 fatal traffic accidents in Hawaii, with 108 people killed. Although the state's small size is likely to have an impact on these figures, it is possible that the low incidence of serious accidents contributes to the state's low auto insurance rates. Because of the relatively low required minimum coverage levels, minimum coverage rates may be lower than the national average.

Best car insurance in Hawaii

Geico

If cost is your primary concern and you do not qualify for USAA, you should get a quote from Geico. The company is well-known for its low average premiums and a long list of discounts that may help you save even more money.

You may be eligible for a discount if you are a federal employee, drive a new car, have vehicle safety features such as anti-lock brakes or an anti-theft system, own more than one car, drive safely, and so on. However, J.D. Power gave Geico a claims satisfaction rating that was lower than the industry average.

USAA

Because it only sells insurance to current and former military members and their immediate families, USAA is ineligible for official ranking with J.D. Power. The company, on the other hand, consistently receives high marks and has the lowest average full coverage premium on our list. If you are eligible for coverage, you should get a quote from USAA.

USAA offers several discounts in addition to its low average premiums. You could save money on car insurance if you park your car on a military base or store it while deployed. Bundling home and auto coverage, being a safe driver, and insuring a new car all qualify for additional discounts.

State Farm

State Farm is possibly the most well-known auto insurance provider. In fact, the company is the largest insurer in the United States, accounting for more than 16 percent of the market. J.D. Power gave State Farm a high rating for claims service. Customers can also increase their protection by adding options such as ridesharing coverage, car rental coverage, and emergency road service coverage.

State Farm also provides a number of discounts that may allow you to save even more money on your car insurance premium. Being accident-free, having certain vehicle safety features on your car, insuring more than one car, and bundling your auto and home insurance with State Farm may allow you to save money.

How to Get the Most Affordable Car Insurance

Auto insurance is a personalised purchase, which means that it is unique to each individual. Some people will seek the lowest possible rate, while others will seek specific coverages or discounts, and still others will require coverage that takes into account specific life circumstances. If you are looking for car insurance in Hawaii, you should consider:

Consider your requirements: Evaluate your situation and determine which coverage options, discounts, and company features are most important to you. For example, if you have a teen who is about to leave for college, you should look for a company that offers a distance student discount. If you have a history of accidents or tickets, you should look for a company that caters to high-risk drivers.

Consider the following state factors: Typically, insurance companies provide additional add-on coverage options. Because some parts of Hawaii are relatively remote, roadside assistance may be useful if you travel frequently. You might also want to think about features that are unique to your area. If you know the area is prone to vehicle vandalism, you should think about including comprehensive coverage.