Hawaii Car Insurance - Auto Insurance Quote in HI
Hawaii's State motto: "Ua mau ke ea o ka aina i ka pono ("The life of the land is perpetuated in righteousness")"
There are many ways to save money in Hawaii, but there is only one way to save money on your car insurance. CarInsurance.com offers the leading Online Insurance Marketplace™ where you can compare great rates and get the most affordable local car insurance available in Hawaii. By comparing rates from over a dozen insurance companies, you not only get the lowest rates, you also get a policy that fit your needs and protects you. We offer a convenient way to purchase your car insurance online after comparing rates, saving you time and money.
Hawaii Car Insurance Requirements
Hawaii state law requires minimum Bodily Injury Liability limits of $20,000 per injured person up to a total of $40,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 20/40/10 coverage.
Hawaii Insurance Coverage:
Bodily Injury Liability: $20,000/$40,000 Limit
Property Damage Liability: $10,000 Limit
Personal Injury Protection or Managed Care (PPO):$10,000 Limit
The state of Hawaii follows a No-Fault system meaning your insurance company will make payments for your injury claims regardless of fault, up to a specified limit. Typically, you lose some of your rights to sue under a No-Fault system. Details of a no-fault system vary from state to state.
Personal Injury Protection (PIP) helps pay for "reasonable and necessary" medical expenses for you and your passengers. Hawaii state law requires a minimum Personal Injury Protection coverage of $10,000.
You can get Uninsured/Underinsured Motorist Bodily Injury coverage to cover bodily injury caused by an uninsured and/or underinsured driver (depending on the state). Hawaii does not require drivers to purchase this coverage, but you should consider purchasing this valuable coverage.
When you get a quote at CarInsurance.com, our coverage page will give you the option of choosing the Minimum State Required package, more wide-ranging coverage packages, or you can customize every limit and deductible to fit your needs. If that is too complicated, CarInsurance.com's insurance agents are licensed in Hawaii and available to help you all the way through the quote and purchase process.
Get local car insurance in all of Hawaii. Enter your zip code in the quote boxes on this page or follow this link to get an auto insurance quote now.
Local car insurance is available in all of Hawaii!
- Honolulu
- Hilo
- Kailua (Honolulu County)
- Kaneohe
- Waipahu
- Pearl City
- Waimalu
- Mililani Town
- Kahului
- Kihei
The average auto insurance premium for residents in Hawaii is $1,354 in 2009;
the national average is $1,735. Some people think the state and insurance companies fix the
rates, so they never shop around for better rates. Insurance companies segment their rates
differently so everyone's rate will be different with each company. You have to shop
around to see if you are saving money. CarInsurance.com helps you find the competitive
rates and discounted prices available in Hawaii, so average Hawaiians
can get a better-than-average rate on their auto insurance.
2009 has had an increase in auto insurance rates. It is
important to shop for car insurance so you get the best available rate! CarInsurance.com
brings competition directly to the consumer and we work to lower your costs through technology.
Even within the state of Hawaii, rates have changed over the past few years.
Comparing the current average car insurance rates, the average auto insurance premium
in Hawaii is 19% higher in 2009 than 2008. Now is the perfect time to shop for
new low rates on your auto insurance, by requesting a quote online you could save hundreds instantly!
It doesn't matter if you have a perfect driving record or if you are a high-risk driver, we work hard to find you the best rates available in Hawaii. With all the statistics on auto theft and car crashes, it is important to protect yourself and your property. We are constantly adding new carriers to our site so you can compare the rates of many carriers and you can purchase in one spot. We offer a site where you can compare the rates of multiple, reliable companies and purchase immediately online, or over the phone. Enter your zip code above to see how much you can save in the Aloha State!
Looking for auto insurance for a different state? CarInsurance.com can give you quotes and rates for all 50 states and the District of Columbia. To find low cost car insurance rates in your state, enter the zip code above. For information on a different state, click on the state’s link below and get the information you need.