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Hawaii car insurance providers: a survey of leading carriers

If you are insuring a car in Hawaii, you have a number of leading companies to choose from

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Despite the high cost of living in the state of Hawaii, car insurance rates are actually one of the more reasonable expenses you will pay. Numerous surveys rank the state in the middle of the pack for overall car insurance costs hawaii car insurance companiesin the country. With a captive, competitive market, you have many Hawaii car insurance providers to choose from. Here is a summary of some of the leading providers:

State Farm

In terms of sheer market share, State Farm leads the pack, consistently accounting for close to 20% of the entire car insurance coverage market for the state. If you're a high-risk driver, State Farm Insurance provides policies when other companies won't. This might be one contributing factor to the company’s consistent rankings as one of the most expensive providers in the state.

The company has an extended network of agents, making finding someone to help you choose your policy quick and simple. State Farm also offers discounts for:

  • Student drivers who keep their grades in excellent standing, up to the age of 25
  • Policyholders with multiple vehicles
  • Drivers who travel a limited amount per year
  • Drivers who pass defensive driving courses.

(Click here for more information about State Farm)

Allstate

Allstate consistently ranks #2 or #3 in terms of car insurance coverage market share for the state while routinely getting high marks for its extended customer service and quick claims service. Allstate offers discounts in car insurance coverage in Hawaii for:

  • Good students (both high school and college)
  • Safe driving (including passing safe driver training courses)
  • New cars
  • Retired drivers
  • Switching your policy to them before your current coverage with another company expires

(Click here for more information regarding Allstate coverage.)

Geico

Geico trades off with Allstate for ranking #2 or #3 in terms of covering the car insurance market in Hawaii. The company offers several insurance plans for residents of Hawaii, including a graduated driver's plan for new drivers to mitigate risks while learning. The company gives discounts to Hawaii drivers based on:

  • Driving history and habits
  • The age and condition of your vehicle
  • Successful completion of driver's education courses
  • Group affiliations
  • Provider loyalty

The company also features an online quoting service that allows you to receive a comparative policy quote within 15 minutes.

(Click here for more information regarding Geico car insurance coverage.)

Progressive

With between 7-8% of the overall car insurance market for the state, this company seems to benefit most from its national presence. It does not receive high marks for customer service or for value of product and it ranks in the middle of the pack for overall performance and claims services. It also has a relatively high “complaint ratio” compared with other leading car insurance providers in Hawaii.

(Click here for more information on Progressive)

AAA Hawaii

This car service membership organization consistently ranks very high for customer service, client services, hawaii car insurance providersclaims support and overall customer satisfaction. It has extended coverage options for services such as roadside assistance and emergency service support. This level of quality comes at a price, however, as the provider routinely ranks as one of the more expensive in the state.

(Click here for more information about AAA Hawaii.)

 

Regardless of which company you choose for your Hawaii car insurance coverage, be sure you are aware of and meet the state’s minimum car insurance coverage requirements; Car insurance policies in Hawaii must include, at least:

  • $10,000 personal injury protection (PIP) per person
  • $20,000 per person in bodily injury liability
  • $40,000 total per accident in bodily injury liability
  • $10,000 in property damage liability per occurrence.

 

No matter what your automobile insurance needs, Reply! can help you find Hawaii car insurance professionals who can help you navigate the world of car insurance.

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