Drivers in Hawaii have the opportunity to customize their car insurance with various options to suit their individual needs. These options include roadside assistance, rental reimbursement, car replacement assistance, rideshare gap protection coverage, SafePilot™, and a pay as you drive program. Each of these options provides additional coverage and benefits to drivers, allowing them to tailor their insurance policy to their specific requirements.
Roadside assistance is a valuable add-on that includes services such as towing, flat tire assistance, fuel delivery, battery jump-starting, and locksmith service. This coverage ensures that drivers have assistance in case of emergencies while on the road. Rental reimbursement is another useful option that helps cover the cost of renting a vehicle while your car is undergoing repairs after a covered accident. This can save drivers from incurring additional expenses during a stressful time.
Car replacement assistance is a unique offering that provides 120% of the value of your car if it is totaled or stolen. This can be a significant benefit, especially for drivers with newer vehicles. Rideshare gap protection coverage is designed to cover you when you are in your vehicle waiting for a rideshare request, providing added peace of mind for those who participate in ridesharing services.
SafePilot™ is a program that offers a discount based on how safely you drive. This can be a great incentive for drivers to practice safe driving habits and potentially save money on their insurance premiums. Additionally, the pay as you drive program is a flexible option that helps drivers save on their car insurance premiums if their annual mileage is low. This can be beneficial for those who do not drive frequently or have a short commute.
In Hawaii, USAA Insurance Company is a reputable provider with over 100 years of experience in the industry. The company consistently ranks as one of the nation’s top auto insurers and has an A++ rating from AM Best, indicating excellent financial strength. USAA offers a range of customizable options for drivers, and in a recent survey, the company scored above the industry average in overall customer satisfaction, affordability, discounts and savings programs, selection of coverage and add-ons, car insurance shopping process, and company website usability. USAA was designated as the „Best for Military Members“ and ranked second overall on the list of best auto insurance companies in the U.S.
Geico is another top insurance provider in Hawaii, known for being budget-conscious and offering low car insurance rates for most drivers. The company has an A++ financial strength rating from AM Best and an A- rating from the BBB. Geico provides high auto insurance policy limits and offers a usage-based insurance discount. While Geico may have higher rates for individuals with poor credit or recent accidents, it remains a popular choice for many drivers due to its affordability and coverage options.
Farmers Insurance is recognized for its wide selection of coverage options and add-ons, making it a great choice for drivers looking for customization. The company offers many discount opportunities and has a solid A- rating from AM Best and an A rating from the BBB. Farmers scored above average in overall customer satisfaction in a recent survey, showcasing its commitment to providing quality service to policyholders.
Progressive is a top choice for tech-savvy drivers, offering a wide selection of coverage options and a usage-based insurance discount. The company has an A+ financial strength rating from AM Best and an A rating from the BBB. Progressive’s technological tools, such as its mobile app and Snapshot program, make it easy for customers to manage their policies and potentially save on their premiums. In a recent survey, Progressive ranked ninth among the best car insurance companies in the U.S., highlighting its reputation for quality service and coverage options.
Island Insurance is a local provider in Hawaii with 80 years of experience in the industry. The company offers a range of coverage options tailored to drivers in the state, including a minimum-liability car insurance option called GoLow℠. Island Insurance has an A financial strength rating from AM Best and an A+ rating from the BBB, demonstrating its commitment to financial stability and customer service. While the company does not offer a usage-based insurance option, it provides personalized coverage for Hawaii drivers.
When looking for the best car insurance in Hawaii, drivers should consider several factors. It is essential to choose the right coverage for your needs, review your policy regularly, maintain a clean driving record, select a higher deductible if possible, enroll in a usage-based insurance program, bundle your policies for discounts, and avoid letting your coverage lapse. Understanding Hawaii’s car insurance requirements and considering how much coverage you need based on your personal circumstances are also crucial steps in finding the right insurance policy.
The average cost of car insurance in Hawaii is $1,656 per year for full coverage, which is lower than the national average. Geico offers the cheapest car insurance in Hawaii, with an average annual cost of $287 for minimum coverage and $1,162 for full coverage. USAA, Island Insurance, Farmers, Allstate, Progressive, and State Farm are other popular insurance providers in Hawaii, each offering competitive rates and coverage options.
Drivers in Hawaii can take advantage of various discounts offered by insurance companies, such as safe driver discounts, multi-policy discounts, and good student discounts. By comparing quotes and exploring available discounts, drivers can find the best car insurance coverage at an affordable price. With the right coverage and provider, drivers in Hawaii can ensure they are protected on the road and have peace of mind knowing they have reliable insurance coverage.