How to Get the Best Auto Insurance Rates in Hawaii
To secure the lowest auto insurance rates in Hawaii, consider these strategies:
1. Compare Quotes from Multiple Insurers
Insurance premiums can vary significantly between companies. Use online tools like The Zebra, Insurify, or Policygenius to compare customized quotes and find the best deal.
2. Take Advantage of Available Discounts
Many insurers offer discounts that can help lower your premium:
- Safe Driver Discount – No accidents or violations for a set number of years.
- Multi-Policy Discount – Bundling auto insurance with home or renters insurance.
- Low Mileage Discount – Driving fewer miles annually can lead to lower rates.
- Good Student Discount – Available for students with a high GPA.
- Military or Veteran Discount – Many companies, like USAA, offer special rates for military members.
3. Choose the Right Coverage Level
Hawaii requires all drivers to carry minimum liability coverage, but full coverage may be a better option if you have a newer or financed vehicle. Consider adjusting your coverage based on your personal needs:
- Liability-Only Insurance – Meets state requirements but doesn’t cover damage to your own vehicle.
- Full Coverage Insurance – Includes liability, collision, and comprehensive coverage for added protection.
4. Maintain a Good Credit Score
Hawaii allows insurers to use credit scores when determining auto insurance rates. A higher credit score can lead to lower premiums, so pay bills on time and keep debt levels low.
5. Increase Your Deductible
A higher deductible (the amount you pay before insurance covers a claim) can significantly lower your monthly premiums. However, make sure you can afford the out-of-pocket cost in case of an accident.
6. Consider a Usage-Based Insurance Program
If you don’t drive often, look into pay-per-mile or telematics-based policies offered by companies like Progressive Snapshot or Allstate Drivewise, which reward safe and low-mileage drivers with discounts.
7. Drive Safely and Maintain a Clean Record
Avoiding accidents, traffic violations, and DUI convictions will help you qualify for the lowest possible insurance rates.
8. Check for Hawaii-Specific Insurance Programs
Some local insurance providers, such as Island Insurance, specialize in affordable policies tailored to Hawaii residents. Local companies may offer more competitive rates than national insurers.
9. Work with an Independent Insurance Agent
An independent agent can help compare multiple insurance providers and find discounts or special programs that you might not find on your own.
10. Re-Evaluate Your Policy Every Year
Insurance rates fluctuate, so it’s a good idea to review your policy annually and switch providers if you find a better deal.