Hawaii Insurance Agencies by County

How to Lower Your Car Insurance in Hawaii (And How Insurance Companies Score You)

Trying to cut the cost of car insurance in Hawaii? Whether you’re driving on Oʻahu, Maui, the Big Island, or Kauaʻi, there are smart ways to reduce your premiums. This overview explains how Hawaii insurers evaluate drivers — and what you can do to save money.

How Car Insurance Companies in Hawaii Score You

Hawaii insurers use several regulated factors when calculating your premium. Key factors include:

• Driving history – Accidents, speeding tickets, DUIs, and prior claims can raise your rate.
• Age & driving experience – Younger and less experienced drivers typically pay more.
• Location – Rates can vary by island and traffic density, especially in Honolulu County.
• Vehicle type – Repair costs, parts availability, and safety features impact pricing.
• Annual mileage – Driving fewer miles may qualify you for lower premiums.
• Coverage selections – Higher limits and full coverage cost more; higher deductibles usually reduce monthly costs.
• Credit score – Hawaii law restricts the use of credit scores in auto insurance pricing.

10 Ways to Lower Your Car Insurance in Hawaii

1. Compare quotes from multiple insurers. Prices can vary significantly by company.
2. Bundle policies. Combining auto with home or renters insurance often earns discounts.
3. Choose higher deductibles. If affordable, this can reduce your monthly premium.
4. Drive fewer miles. Accurate mileage reporting can lead to lower rates.
5. Ask about telematics programs. Safe drivers may qualify for discounts.
6. Check for all discounts. Multi-car, safe driver, good student, military, paid-in-full, and autopay discounts may apply.
7. Consider liability-only coverage on older vehicles. Full coverage may not be cost-effective for low-value cars.
8. Choose vehicles with lower repair costs. Insurance is often cheaper on reliable, easy-to-repair models.
9. Avoid lapses in coverage. Continuous insurance helps keep rates lower.
10. Re-shop every 6–12 months. Rates and discounts change over time.

Hawaii Minimum Auto Insurance Requirements

Hawaii generally requires at least 20/40/10 in liability coverage — $20,000 bodily injury per person, $40,000 per accident, and $10,000 property damage per accident. Personal Injury Protection (PIP) coverage is also required. Many drivers choose higher limits for better protection.

Weather, Salt Air, and Comprehensive Coverage

Hawaii drivers may face salt-air corrosion, tropical storms, flooding, and theft risks. Comprehensive coverage can help protect your vehicle from non-collision damage such as theft, vandalism, falling objects, and weather-related losses (coverage varies by policy).

Use the county list above to explore local insurance agencies in your area and compare options side-by-side.