Local Insurance Factors for Hawaii
How local conditions affect your insurance premiums.
Unique Risks
- Theft (tourist areas)
- Volcano/Lava (Big Island)
- Salt air corrosion
Did You Know?
Hawaii generally has lower rates but limits the use of factors like age and credit score. It's a no-fault state for injuries, requiring PIP coverage.
Best Car Insurance Companies in Hawaii
Island Insurance
DTRIC
First Insurance Company of Hawaii
Allstate
Progressive
Common Hawaii Insurance Questions
Do I need special insurance for lava damage?
Comprehensive auto insurance typically covers damage from fire or volcanic eruption.
Can insurers use credit scores in Hawaii?
No, Hawaii bans the use of credit scores for setting auto insurance rates.
Customer Success Stories
See what real Hawaii drivers are saying.
★★★★★
"Helped me understand the confusing requirements here."
★★★★★
"Finally, an insurance site that actually works."
★★★★★
"Excellent service and very transparent pricing."