If your Hawaii family has more than one driver, consider a family car insurance policy
While it’s less expensive than in many other states, car insurance coverage for Hawaii drivers is a substantial investment. If you’re a family with more than one driver (and more on the way) your costs can easily grow out of control. Packaging Hawaii family car insurance coverage can be a way to cut costs and most major insurers offer a number of policy options.
One of the most important considerations when reviewing car insurance coverage in Hawaii is to be sure you are in compliance with state law. Each driver in Hawaii must carry a minimum amount of insurance to comply with the 
state’s financial responsibility laws. Hawaii’s minimum auto insurance coverage requirements include:
- Bodily injury liability protection of $20,000 per person and $40,000 total per accident
- Property damage liability protection of $10,000 which pays for repairs to another person's vehicle after an accident
- Personal injury protection (PIP) worth at least $10,000 as Hawaii is a no-fault state, which means that your insurance company pays for your injuries up to the PIP amount.
Even though each Hawaiian driver must carry his/her own PIP, medical costs in the event of an accident often exceed that limit. When another driver's injuries exceed his/her PIP, your liability insurance may cover the remaining portion of the bills.
Other car insurance coverage policy components are optional but are strongly recommended by the state:
- Collision coverage – pays to repair or replace your automobile after an accident and adding collision can increases policy costs by as much as $299 per year, according to National Association of Insurance Commissioners (NAIC)
- Comprehensive coverage – pays for repairs due to fire, vandalism, theft and similar circumstances and can add up to $106 annually to your premium costs according to NAIC
- Uninsured/underinsured motorist protection - pays for injuries or deaths when the other driver has no car insurance or too little insurance. (If you elect this coverage, the state of Hawaii mandates a minimum level of $20,000-per person and $40,000 per incident total.)
Setting your insurance at the state minimums does not always make financial sense. Even though you save money on 
premiums now, you risk owing a huge debt after an accident later. You can offset the cost of extras by taking advantage of discount programs, especially when you are putting together a family car insurance coverage policy.
Here are some of the most popular Hawaii family car insurance offerings and companies offering family-related discounts:
Farmers
They offer special pricing to members of certain professional associations, credit unions and community groups in Hawaii as well as multi-coverage discounts and safe teen driving discounts.
State Farm
Grants discounts to safe drivers who have not had accidents within the previous three years as well as discounts for multiple drivers and combined coverages (with other types of insurance such as home and life).
GEICO
Reduces prices for graduates of defensive driving courses, offers safe driving discounts and discounts for students with good grades.
Liberty Mutual
Rewards teen drivers and college students with good grades by giving them lower rates, and offers multi-coverage discounts.
Most insurers give discounts to people who have more than one vehicle or who combine a home and auto policy, but determining the optimal amount of Hawaii family car insurance coverage you’ll need depends on your own unique circumstances. Reply! can help you make that decision by putting you in touch with local insurance professionals with the experience you’ll need.