How to Use the Hawaii Car Insurance Calculator

Hawaii Car Insurance Calculator

The Hawaii Car Insurance Calculator makes getting a quote on auto insurance easy. It calculates rates based on factors like your age, coverage needed and driving record – all at no cost! With just a few clicks you can quickly see how much it would cost to insure a particular vehicle.

Minimum Coverage Requirements

Hawaii requires drivers to carry bodily injury liability, property damage liability and personal injury protection (PIP). They may also elect to purchase uninsured/underinsured motorist coverage that would protect them in case they get into an accident with a insured driver who was at fault.

Enhancing Comprehensive and Collision Insurance

If your car has a high value, considering adding comprehensive and collision coverage may be worth the extra expense. This type of policy helps repair or replace your vehicle if it gets damaged or stolen.

Younger Drivers in Hawaii

Although younger drivers typically pay more for car insurance, anti-discrimination laws in Hawaii have helped keep teen auto insurance rates competitive with older drivers. In fact, the state’s teen auto insurance rates are slightly lower than those experienced by older motorists.

Adopting a Teen to Your Policy

Hawaii’s anti-discrimination laws have encouraged companies to offer discounts to young drivers, such as multi-vehicle discounts that allow you to reduce your auto insurance premium if you own multiple vehicles.

The Newer Your Car Is, the Higher Your Rates

When calculating your car insurance rate, take into account the model of your vehicle. Some models are more costly to repair or steal than others, which could raise costs.

Selecting an older car can reduce your annual auto insurance costs. Older vehicles usually have higher resale values and costlier to insure, making them attractive options for consumers.

You can save money on your auto insurance by taking an accident prevention course. This could include defensive driving classes and obtaining a safe-driving certification.

Speeding tickets can have an adverse effect on your insurance rates, though it will not increase them as much as an at-fault accident would.

According to the Insurance Research Council, approximately 9.3% of Hawaii drivers are uninsured. Therefore, you may want to consider adding uninsured/Underinsured Motorist and Underinsured Driver coverage to your policy. This protection can pay for medical bills, lost wages and other expenses in case someone else causes an accident that was preventable.

Finding Cheap Car Insurance in Hawaii

Obtaining affordable auto insurance rates in Hawaii can be challenging, but it is possible. To identify the most competitive rates, WalletHub compared quotes from 40 different drivers using data from the Hawaii Department of Motor Vehicles and Quadrant Information Services.

Based on an analysis of data, it was determined that the most affordable quotes could be found in 31 zip codes representing at least 20% of Hawaii’s population. As these areas are where many people reside, it’s essential to take into account these locations when looking for affordable insurance in Hawaii.