Car insurance in Hawaii can be relatively affordable compared to the high cost of living in the Aloha state. With rates for both liability-only and full-coverage insurance being below the national average, it’s important to know which companies offer the best rates for drivers in Hawaii. According to research conducted by the MarketWatch Guides team, Geico stands out as the most affordable option for car insurance in Hawaii. They offer rates as low as $22 per month for liability-only coverage and $103 per month for full-coverage insurance.
When it comes to determining car insurance rates in Hawaii, age and credit scores are not factors that insurance companies take into consideration. This means that drivers of all ages and credit backgrounds have the opportunity to find affordable rates. Additionally, drivers with recent speeding tickets or other traffic violations can still find reasonable rates from providers like State Farm.
The average driver in Hawaii pays around $1,581 per year for full-coverage car insurance and $455 per year for minimum coverage. Geico is the top choice for most drivers in Hawaii, offering rates that are 26% below the state average. Other affordable options for car insurance in Hawaii include AAA, Progressive, State Farm, and Farmers.
When looking at specific driver profiles and situations, Geico consistently offers some of the cheapest rates for both liability-only and full-coverage car insurance. For high-risk drivers with speeding tickets, accidents, or DUIs on their record, providers like USAA, Farmers, and State Farm offer competitive rates.
It’s important to note that Hawaii is a no-fault state, meaning that insurance companies are responsible for paying medical expenses regardless of who caused the accident. All drivers in Hawaii are required to have personal injury protection (PIP) coverage in addition to liability insurance. The minimum coverage requirements for car insurance in Hawaii include bodily injury liability insurance, property damage liability insurance, and personal injury protection.
To get the best prices possible for car insurance in Hawaii, it’s recommended to compare quotes online. This allows drivers to find the top provider for their specific situation and vehicle. Overall, Geico, State Farm, USAA, Progressive, and Farmers are the top choices for affordable and reliable car insurance in Hawaii.
In conclusion, car insurance in Hawaii can be affordable and accessible for drivers of all backgrounds. By comparing quotes and understanding the coverage options available, drivers can find the best rates for their needs. With providers like Geico offering competitive prices and strong coverage, Hawaii residents can ensure they have the protection they need on the road.