Best Car Insurance In Hawaii

Auto Insurance Premiums By Credit Tier

Your credit score can affect getting a loan, a mortgage, and credit cards, and in some states, it is used when determining the rate for car insurance. In Hawaii, this is not the case as the state does not allow a driver’s credit score to be used as a factor when an individual’s insurance rate is calculated.

Best Car Insurance In Hawaii For Customer Service

When it comes to customer service, the top company in Hawaii is GEICO.

In Hawaii, the two companies with the best customer service, based only on claim ratings and customer satisfaction, are:

• GEICO: MoneyGeek score of 91 out of 5
• State Farm: MoneyGeek score of 91 out of 5

Without considering affordability, these companies offer the best customer care and experience in Hawaii for auto insurance.

THE TOP TWO CAR INSURANCE COMPANIES IN HAWAII FOR SERVICE QUALITY

Financial Stability

GEICO tied first for claims and tied for customer satisfaction at 4 out of 5. It offers various add-ons, including roadside assistance and rental car and/or travel reimbursement.

Customer service is an important consideration when choosing an insurer, especially since filing a claim can be a stressful experience. Based on J.D. Power ratings for GEICO, this provider is slightly better than its competitors, with a customer satisfaction score that is higher than industry average. Based on the NAIC complaint index report, GEICO was rated with a 2.04, indicating it has received more complaints than the average provider.

In terms of add-on options, GEICO offers roadside assistance coverage, which pays for the cost of flat tires, towing, jump starts and lockout services. Theres also rental car and/or travel reimbursement coverage which applies when you cant use your insured car for more than 24 hours due to a covered accident.

Financial Stability

Cheapest Car Insurance For Military Families

If you’re an active member of the military or a veteran or have an immediate family member who is chances are you’ll get a relatively cheap rate with USAA, a company that isn’t available to the general public.

Because of that restriction, USAA isn’t ranked with the others, but it was among the cheapest three auto insurance options for 56 of the 70 driver profiles we examined.

» MORE:Best car insurance for veterans and military

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Hawaii Vehicle Fees And Other Costs

Buying a car anywhere in the country, including in Hawaii, can be costly. In addition to accounting for the sticker price of your new ride, also be sure to budget for the other fees, taxes, and costs associated with purchasing a vehicle. These include DMV fees, sales tax, registration and license charges, and documentation fees.

You may also need to pay inspection fees, emissions taxes, and a hybrid/electrical vehicle tax. You might have to pay a title transfer fee, as well. Leasing your vehicle instead of purchasing it can cause additional fees.

In Hawaii, the registration cost is $45 plus a weight-based fee, and the license plate and title fees are $5 each. If you fail to renew your registration by the expiration date, a fee of $16 will be charged.

Hawaii residents on active military duty or National Guard members assigned to units in Hawaii are exempt from motor vehicle weight taxes for a single vehicle. Out-of-state active-duty military members stationed must submit a non-resident certificate when they register their vehicle. Forms are available from your military unit or personnel office.

Top Providers For Car Insurance In Hawaii

Based on our research, the following providers are the best options for car insurance in Hawaii. GEICO, State Farm, and USAA are a few of our top picks for car insurance nationwide, while Island Insurance is a local provider. Each has a positive industry standing, and for Hawaii drivers, all offer multiple discounts and superior customer service.

*Ratings of providers represent our teams evaluation of car insurance companies nationwide, while the order of the providers is based on our recommendations for Hawaii.

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Hawaii Auto Insurance Coverage Requirements

Here are the minimum Hawaii auto insurance coverage requirements for the legal operation of an automobile in the state:

• Bodily injury liability coverage: $20,000 per person and $40,000 per accident
• Basic personal injury protection: $10,000
• Property damage liability coverage: $10,000
• Uninsured/underinsured motorist: $20,000 per person and $40,000 per accident*

*Uninsured/underinsured motorist coverages can be rejected in writing.

Best Cheap Car Insurance In Hawaii: Geico

The best and cheapest car insurance in Hawaii is GEICO, according to Insurifys proprietary data. Drivers pay an average of $107 per month for coverage. But the cost can vary from one person to the next, depending on the insurer, your location, age, driving history, vehicle type, and more.

Make sure to compare car insurance quotes online before purchasing a policy.

• Insurify Composite Score

  The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

  Inputs to the score include financial strength ratings from A.M. Best, Standard & Poors, Moodys, and Fitch J.D. Power ratings Consumer Reports customer satisfaction surveys and customer complaints mobile app reviews and user-generated company reviews.

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How To Get Cheap Car Insurance In Honolulu Hi

• Drive safely: Avoid accidents and tickets to save on your car insurance

• Shop around: Compare rates from multiple companies to find the best rate available.

• Get informed about coverage: Look at the details, including all the deductibles, to get the coverage you need for your car.

• Inquire about discounts: Ask about discounts for those in the military, low-mileage drivers, safe drivers, good students, and even for members of professional organizations including firefighters, teachers, and members of law enforcement.

• Bundle policies: If you have rental or homeowners insurance, getting your car insurance policy at the same company could lower all those rates.

Progressive: Low Rates For High

J.D. Power regional rating: 856/1,000AM Best financial strength rating: A+BBB rating: F

Progressive offers relatively affordable auto insurance coverage for Hawaii drivers. Drivers can participate in the companys usage-based program, Snapshot®, which rewards drivers with discounts off their insurance premiums based on how safely they drive. Progressive also offers a wide range of car insurance discounts and a comparison tool on its website that allows drivers to compare rates from insurance providers.

We reached out to Progressive for a comment on its BBB rating but did not receive a response.

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Cheapest Full Coverage Car Insurance In Hawaii For 20

Drivers in Hawaii with clean driving records may want to consider the following companies, which had the lowest average rates:

What Are The Cheapest Insurance Companies For Seniors In Hawaii

Hawaii offers many kupuna discounts and other benefits for seniors. In insurance, companies look at the same factors as they would for younger drivers. What is your zip code? Do you have a clean driving record? Essentially, what kind of risk do you present? Those with the lowest levels of risk will find the lowest rates.

Among five of the largest car insurance companies in Hawaii, USAA provides the cheapest car insurance rates for male and female senior drivers on average.

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Hawaii will differ. Rate data is provided by Quadrant Information Services.

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Other Than Collision Coverage

Other than collision coverage is an optional coverage that can cover direct and accidental losses to your car by incidents such as fire, theft, vandalism, and broken windshields. If you have questions or are unsure of what you need, your independent insurance agent will be able to help determine what coverages and deductibles will fit your needs.

Collision and Other Than Collision Coverages are important for owners of:

• Vehicles that are being leased or financed
• Newer vehicles that would be expensive to replace

Find A Cheap Car Rental In Hawaii

Lets get to the point: obtaining an inexpensive rental car in the archipelago. It is no simple undertaking because Hawaii is not the cheapest vacation destination! As a result, the pricing will undoubtedly be substantially more than for car hire on the mainland. But keep in mind that there are several simple ways to save money! First and foremost, avoid using standard automobile rental firms. Even with a membership card or corporate pricing, you will only find highly exorbitant or abusive costs! To prevent slipping into this trap, we recommend going via a broker who has taken the time to negotiate the price.

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Minimum Car Liability Insurance Requirements In Hawaii

In the US, drivers must have liability coverage. If you’re involved in an accident, liability insurance covers damage you cause to the other vehicle, driver, and passengers. If you finance or lease your car, your lender probably requires comprehensive and collision coverage.

Insurance is cheaper in Hawaii because Hawaii does not allow insurance companies to use age, gender, marital status, or credit scores to determine premium rates.

The two main components of liability insurance are bodily injury and property damage, which most states require. Liability insurance also includes uninsured motorist and underinsured motorist coverage. This type of coverage protects you when an at-fault driver hits you, and they have no coverage or not enough coverage.

According to the Insurance Information Institute, Hawaii requires bodily, property, and personal coverage. Hawaii’s minimum liability requirements are 20/40/10 $20,000 of injury protection for each person involved in an accident, up to $40,000 worth of injuries per incident, and up to $10,000 of property damages per incident.

Cheapest Full Coverage Car Insurance In Hawaii For 40

Drivers in Hawaii with clean driving records may want to think about the following companies, which had the lowest average rates:

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How Do You Get Sr

Getting SR-22 insurance might sound complex, but theres no need to complicate things. The easiest way to get SR-22 insurance is if you already have a policy.

There is a risk that youll be dropped as a customer if you need to get SR-22 insurance, but most companies will work with you. Your rates will increase, and youll have to pay a filing fee, but you wont need to go elsewhere.

If you need a new car insurance policy, getting SR-22 insurance is relatively the same as applying for standard coverage. Make sure to inform the company youre shopping with that you need SR-22 insurance to get what you need.

Hawaii will suspend your license for a variety of traffic violations, and youll need SR-22 insurance to get it back. If you dont have a car but need to get your license back, you can buy non-owner insurance. Non-owner insurance will satisfy Hawaiis requirements and covers you whenever you drive someone elses car.

The Benefits Of Bookingcom Car Rental In Hawaii

There is no intermediary. Booking.com is only a broker that provides you with negotiated pricing. As a result, the contract is only between you and the renter. You know in advance which rental firm you will choose. There will be no nasty surprises! Even a few hours before the start of the rental period, cancellation is free. A only provide your email address. The prices are almost too reasonable to be true. For the sceptics, we have roughly fifteen rentals with Booking.com and have never had an issue our cars are always waiting for us at the designated rental firm, even though we have not supplied a credit card.

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Minimum Required Auto Insurance In Hawaii

Hawaii is a no-fault state. Hawaii car insurance policies must include at least liability insurance and personal injury protection, or PIP, in the following amounts:

• $20,000 bodily injury liability per person.

• $40,000 bodily injury liability per crash.

• $10,000 property damage liability per crash.

While this will be enough to drive legally, you may want more insurance to fully cover the costs of a crash. For instance, if you total another persons vehicle, the property damage could easily exceed the $10,000 minimum limit listed above. Any damage above your coverage limit would have to come out of your pocket.

Check out NerdWallets guide to car insurance requirements by state for help in understanding your policy and selecting coverage limits.

For more help in getting cheap car insurance in Hawaii, try NerdWallets car insurance comparison tool. If youre having a hard time finding coverage due to a spotty driving record, call the Hawaii Joint Underwriters Program at 586-2790.

Best Car Insurance In Hawaii For Seniors

MoneyGeek rated top-performing providers in Hawaii for seniors based on their affordability and customer service records. Our top two options for seniors in Hawaii are:

• GEICO: MoneyGeek score of 94 out of 100
• State Farm: MoneyGeek score of 87 out of 100

MoneyGeek balanced cost and customer service categories to generate the above scores. For those more interested in affordability, we also found the cheapest Hawaii car insurance for seniors.

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What Else Should I Have

Uninsured motorist coverage: Hawaii does not require you to buy uninsured motorist coverage but your car insurance company must offer it. If you dont want it, you can reject it in writing. Generally, uninsured motorist is a good coverage to have. If someone crashes into you and they dont have car insurance, you can make a claim on your UM coverage to pay for medical expenses.

Underinsured motorist coverage: Heres another good coverage to have. What happens when someone has liability insurance, but its not enough to cover your medical expenses? Underinsured motorist kicks in to cover your medical bills when the at-fault drivers liability insurance is exhausted.

If you buy UM or UIM in Hawaii, the coverage limits you must have are:

• $20,000 for UM bodily injury to one person, $40,000 per accident
• $10,000 for UM property damage per accident
• $20,000 for UIM bodily injury to one person, $40,000 per accident

Collision insurance: This insurance type pays for your car repairs for car accidents. For example, if you back into a pole, crash into a tree or drive into a building. You can also use it if someone else hits your car, rather than making a claim against their liability insurance.

Comprehensive insurance: This insurance type pays for car repairs for a variety of problems, like floods, fires, hail, vandalism, riots, falling objects and collisions with animals . It also covers car theft.

Hawaii Auto Insurance Discounts

Make sure you check into every discount your carrier offers you may be surprised by how many discounts you qualify for, and each one helps lower your rate. A carrier that seemed more expensive at first might become more competitive once you have taken advantage of all the discounts that apply to you.

Your carrier likely offers many different discounts for which you may be eligible, and finding ways to save money on your car insurance is a smart move. Check with your agent or insurance company for their offerings and discount levels.

Some common discounts offered on auto policies include:

• Telematics/usage-based

If you decide not to insure your vehicle at the required state minimum limits, you will not be able to drive it. In that case, you need to surrender your license plates and registration card to the county director of finance. If you continue to drive without carrying the required liability insurance and having proof of your insurance in your vehicle, you can be ticketed and fined.

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The Best Hawaii Car Insurance Companies

As a Hawaii injury law firm, were often asked which is the best Hawaii car insurance company. This is a very good question. There is probably a no better person to ask this question than a car accident injury lawyer in Hawaii. We deal with insurance companies on a daily basis and we have done so for more than a decade. We know from experience which companies are better than others. No, they are not all the same. Some are good companies, others absolutely are not.

The most important criterion in deciding whether to choose one Hawaii car insurance company over another is whether they make reasonable settlement offers to settle injury claims.

You may ask yourself: Why do I care if my insurance company is going to make a reasonable settlement offer to someone that I might injure in an accident? Basically, if they make reasonable settlement offers, then the case will usually settle. If they dont make reasonable settlement offers, then the case will likely end up going to court.

If your case goes to court, then you will have to spend a couple of years of your life worrying about the case, going to depositions, arbitrations, and possibly even having to sit through a weeklong trial about how you were a negligent driver.

Believe us, this whole process can be very stressful for all parties involved. It is much preferable to simply settle the case at the outset and avoid the whole ordeal of a trial.

10th: Farmers