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Save hundreds on your Hawaii auto insurance with Island

When shopping around for Hawaii car insurance see why Hawaii residents choose Island Insurance as their auto insurance provider. No matter what your situation, Island’s auto insurance and home insurance policy holders enjoy low rates, peace of mind, and the very best in claims service.

For drivers who need basic auto coverage, Island’s GoLow℠ auto insurance policy can keep your car on the road for less than $27 a month. For bigger savings, bundle your auto insurance with your homeowners, condo or renters insurance policies and you could save even more.

Why Choose Island Insurance?

Island Insurance has been serving families in Hawaii for nearly 80 years and is one of the Top 50 property and casualty insurance companies in the nation and is rated A (Excellent) by A.M. Best for financial strength. Guided by its founding philosophy of providing affordable car insurance, Island Insurance has grown into Hawaii's largest locally owned and managed insurance company.

By choosing an auto insurance policy from Island, you’ll get our superior claims service that earned us a 97% satisfaction rating. That means if you were to find yourself in an auto accident, our Hawaii claims staff is there to help you 24 hours-a-day. Rest assured that your auto repair is handled by a network of Island Certified℠ repair facilities on Oahu, Big Island, Maui and Kauai that are among the top 20 auto repair facilities in Hawaii.

When paying your car insurance premium, you can make a payment online, by phone or arrange a monthly automated installment plan by calling 564-8111 (Oahu) or 1-888-312-2525 (neighbor islands toll-free) during normal business hours.

Tips to Lower Your Hawaii Car Insurance Premiums

Our wide range of group discounts, prior insurance and safe driver discounts can help customers to save hundreds. Check out some of our discounts and you could save hundreds on your auto insurance quote.

Hawaii car insurance discounts offered:

  • Prior Insurance Discount
    You may be eligible for a 25% discount on your auto insurance if you’ve had at least 12 months of continuous coverage through your prior insurance.
  • Hybrid Vehicle Discount
    Hybrid vehicle owners may be eligible for an additional Hybrid Vehicle Discount on their auto insurance.
  • At-Fault Accident-Free Discounts
    If you are accident-free for at least 12 months prior to the effective date of your new auto policy, you may qualify for an accident-free discount.
  • Renewal Discount
    Qualifying auto insurance renewals may be eligible for a renewal discount of up to 6%.
  • Multi-Policy Discount
    Customers with an auto insurance policy and a homeowners, condo or renters policy will be rewarded with a $50 per vehicle discount on their auto policy plus a 10% discount on their homeowners policy.
  • Multi-Car Discount
    Available when two or more vehicles are covered under one policy.
  • Defensive Driving Discount
    Drivers who complete a defensive driving course will be eligible for a discount that is applicable for 3 years of each certification.
  • Anti-Theft System Discount
    Vehicles with anti-theft devices may qualify for a auto insurance discount.

What factors can affect my auto insurance premium in Hawaii?

  • Driving history
  • Coverage types and limits
  • Deductible amounts
  • Make and model of your car
  • Type of driving (business or pleasure)
  • Average daily driving distance

Hawaii Auto Insurance Coverage Requirements

All Hawaii drivers are required to maintain the minimum amount of car insurance coverage below:

  • $20,000/$40,000 bodily injury liability
  • $10,000 property damage liability
  • $10,000 personal injury protection

These minimum limits are required throughout the registration period of the vehicle.

Comprehensive Collision Coverage

Your car is susceptible to various risks and while it may be tempting to save money on your car insurance, if your car is damaged resulting from incidents other than collision, your current policy may not cover the repairs.  Comprehensive Coverage is an optional coverage that can cover direct and accidental losses to your car by incidents such as fire, theft, vandalism, and broken windshields.

If you have questions or are unsure of what you need, your independent insurance agent will be able to help determine what coverages and deductibles will fit your needs.

The descriptions above contain general descriptions of available auto insurance policies and are not a statement of contract. All car insurance coverages are subject to policy provisions, limitations and exclusions that can only be expressed in the policy itself. For more information on Hawaii car insurance coverages please contact your independent insurance agent.