MoneyGeek Hawaii Car Insurance Calculator

Hawaii requires drivers to purchase at a minimum a set amount of liability, collision and comprehensive car insurance policies, while drivers can add optional coverage like roadside assistance and rental car reimbursement to their policies. While costs depend on individual coverage levels, driving records and location – MoneyGeek Hawaii Car Insurance Calculator offers drivers a tool for estimating how much car insurance in Hawaii might cost them based on coverage needs as well as personal factors. It is an invaluable resource for newcomers or those considering moving there who wish to understand how much car insurance costs when moving there!

Hawaii offers full coverage at an average monthly cost of just $109, which is significantly less than the national average of $141/month. Adding a teenage driver can increase rates by approximately 31%; driving records play an integral part in your rates too, alongside factors like vehicle age and model as well as city where you reside – each factoring into their respective rates.

Drivers in Hawaii face varied car insurance rates due to its coastal population distribution and some cities’ higher crime rates or proximity to active volcanoes; all factors which can have an effect on car insurance rates in Hawaii.

Hawaii insurance policies can also be affected by factors like your vehicle’s value, which will have an effect on both collision and comprehensive coverage, type of car you drive (luxury typically being more costly), safety features of said car (crash test ratings/antitheft security features are more likely to qualify for lower premiums than others), etc.

Your credit history is an integral factor in Hawaii when calculating auto insurance premiums, as your score indicates how responsible of a driver you are; insurers tend to perceive those with good credit as reliable customers who will likely file fewer costly claims. Hawaii is one of three states which do not use credit as a rating factor, so drivers with poor or bad credit should expect rates comparable with those who possess excellent ratings.

To secure the lowest car insurance rates in Hawaii, it’s crucial that you compare quotes from various companies. When doing so, take note of pricing, coverage and customer satisfaction of each provider to find your perfect option. GEICO stands out as being an economical auto insurer with policies costing an average of $413 annually; additionally consider USAA which offers low military family rates as well as researching various car policies available across your state to identify what provider offers the most appropriate plan suited to you.