If you drive in Hawaii, full coverage auto insurance gives you more than just the basic protection the state requires.
Full coverage includes liability, collision, and comprehensive insurance, so you’re covered for damage to your car and injuries—no matter who caused the accident.
This kind of insurance brings peace of mind, whether you’re navigating busy island roads or dealing with unexpected events like theft or crazy weather.
The price for full coverage in Hawaii is higher than the state minimum, but it really depends on things like your driving history, what kind of car you drive, and your neighborhood.
Knowing these details can help you find a policy that fits your needs and doesn’t blow your budget.
With so many insurers and plans out there, it’s worth comparing your options before you decide.
Key Takeaways
- Full coverage gives you more protection than Hawaii’s minimum requirements.
- What you pay depends on your car, your record, and where you live.
- Comparing companies can help you score a better deal.
Understanding Full Coverage Auto Insurance in Hawaii
Full coverage auto insurance in Hawaii mixes several types of protection to help cover costs from accidents, damage, and injuries.
You’ll want to know what these policies actually include and what the state expects from all drivers.
Definition of Full Coverage in Hawaii
Full coverage usually means your policy has liability, collision, and comprehensive insurance.
Liability insurance is required by law and pays for injury or damage you cause to others.
Collision insurance helps pay for repairs to your car after a crash, no matter who was at fault.
Comprehensive insurance covers damage to your car from things like theft, fire, or natural disasters.
In Hawaii, full coverage doesn’t mean you’re protected against everything, but it does cover the basics for your car and others on the road.
Components of Full Coverage Policies
A typical full coverage policy in Hawaii includes:
- Liability Insurance: Covers injuries and property damage to others. Minimum: $20,000 per person, $40,000 per accident, $10,000 property damage.
- Collision Coverage: Pays for repairs to your car after a crash.
- Comprehensive Coverage: Covers non-collision damage like theft, weather, or vandalism.
- Uninsured Motorist Coverage (optional but recommended): Protects you if you’re hit by a driver without insurance.
Adding collision and comprehensive coverage will bump up your premium, but you get stronger financial protection.
State-Specific Insurance Requirements
Hawaii requires every driver to have minimum liability coverage.
These limits are:
- $20,000 bodily injury per person
- $40,000 bodily injury per accident
- $10,000 property damage per accident
These minimums only cover damage you cause to others, not your own injuries or car.
If you want full coverage, you’ll need to buy extra collision and comprehensive insurance.
You have to carry proof of insurance when you drive, and update your policy if you move or switch cars.
The state minimums are pretty low, so full coverage is honestly a much safer bet.
Costs and Factors Influencing Full Coverage Rates
Full coverage car insurance in Hawaii can cost quite a bit, and your premium is shaped by a handful of important factors.
Knowing the average rates and what affects your price can help you make smarter choices.
You might be able to use discounts to cut costs without losing the protection you want.
Average Premiums in Hawaii
The average price for full coverage auto insurance in Hawaii is about $810 per year.
Some sources put it higher, closer to $1,517 a year, depending on the details.
Monthly, you’re probably looking at around $142.
Companies like USAA sometimes offer much lower rates—think $583 a year—so shopping around really pays off.
Averages shift depending on where you live, what you drive, and your age or driving record.
Key Influencing Factors
Your rate depends on a few big things.
Your driving history matters—a ticket or accident will usually make your price jump.
The car’s make, model, and year all play a role. Newer or pricier cars usually cost more to insure.
The coverage choices you make, like your deductible and limits, also change your premium. Higher deductibles tend to lower your monthly payment.
Where you live in Hawaii can make a difference, since some neighborhoods have more accidents or theft.
Insurance companies in Hawaii can’t use your gender or credit score to set your rate, which is a nice change from other states.
Discounts and Savings Strategies
There are plenty of ways to snag discounts.
If you’ve got a clean driving record, you can usually get a good driver discount.
Bundling your car insurance with something like homeowners insurance can save you some cash.
Some insurers knock down your rate if your car has safety features, like anti-theft devices.
Paying your whole premium up front instead of monthly sometimes gets you a break.
It’s also worth asking about discounts for your job, age, or if you’re in the military—those can apply in Hawaii, too.
How to Choose the Best Full Coverage Provider in Hawaii
Picking the right full coverage auto insurance in Hawaii is a balancing act between cost, coverage, and customer service.
You want a company that actually helps when you need it, not just one with a slick website or catchy ads.
Understanding how local and national insurers stack up, and what their customers say, can make your choice a lot easier.
Evaluating Local and National Insurers
Check out both local companies like Island Insurance and big brands like GEICO or USAA.
Local insurers might give you more personal service and really get Hawaii’s unique quirks.
National companies usually have competitive prices and broader coverage options.
Compare premium costs carefully. For full coverage, Hawaii rates often run from about $1,200 to $1,500 a year.
See if the insurer offers discounts for good driving or bundling policies.
It’s smart to check the company’s financial strength, too. You want someone who can actually pay out when you need them.
Independent rating sites like AM Best or J.D. Power are good places to look for that info.
Customer Service and Claim Support
Good customer service matters a lot when you need to file a claim or just want a little help.
Pick an insurer with a claim process that doesn’t make you jump through hoops.
It’s nice if they have 24/7 claim reporting, online tools, or even a decent mobile app.
Take some time to read reviews that talk about real experiences, especially how fair and fast they handle claims.
A company with lousy service can turn an accident into a much bigger headache.
Ask about agent support too.
Some insurers have local agents who actually understand Hawaii’s laws and can walk you through the policy details.
If you want more personal attention, that kind of support can make a big difference.