Hawaii Car Insurance Calculator

The Hawaii Car Insurance Calculator makes it quick and easy to determine how much auto insurance coverage your vehicle requires in the state of Hawaii. The calculator takes into account various factors, such as your driver profile and coverage levels you choose; as well as cost for a minimum liability policy required by law.

Finding the most competitive deal on coverage requires gathering quotes from multiple providers. Keep in mind that your rates depend on factors like driving history and credit history when making comparisons between providers.

Saving on insurance premiums is possible by opting for more cost-effective coverage levels and selecting higher deductibles, or by decreasing coverage limits and rates.

When it comes to coverage options for your car, you have three main choices. Liability coverage pays for damages to other drivers’ vehicles while collision and comprehensive policies cover damages to your own.

PIP (Personal Injury Protection): PIP insurance policies cover medical and rehabilitative expenses associated with injuries sustained while driving in Hawaii and must have at least an aggregate maximum limit of $10,000 per person for all drivers licensed to drive there.

Reduce your monthly insurance rate by decreasing the deductible amount and/or opting for PIP managed care, both of which you can find more information about from either your insurer or their website.

Shopping local: To secure the most cost-effective auto insurance rates, select an insurer headquartered on the island where you reside. Doing this will ensure your money goes toward supporting local people and their businesses.

Hawaii drivers have many discounts available to them to reduce their car insurance costs, including good student discounts, teen driver and homeowners coverage discounts.

The company provides additional options, including roadside assistance and rental car reimbursement. In addition, you could earn discounts for being an attentive driver or signing up for its Snapshot(r) usage-based program.

USAA: With a substantial customer base in Hawaii and an A+ rating from both Better Business Bureau and AM Best, this insurance provider makes an ideal choice for military members stationed there or returning home.

Progressive: Progressive offers Hawaii drivers competitive rates at highly affordable premiums. Their Drive Safe & Save(r) program can help them save up to 30 % by engaging in safe driving behaviors; additionally, Progressive provides numerous other discounts such as those for good students or maintaining an excellent driving record.

GEICO: Drivers in Hawaii will find GEICO an ideal option, with its rates being among the least costly in the market. One of the country’s premier insurers, it has long provided affordable auto coverage options.