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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, no-frills auto coverage, Island’s GoLow℠ auto insurance policy can keep your car on the road and you on the go. 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 over 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, 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%.
  • Island Package Bundle*
    Customers who have a personal auto insurance policy, AND a companion homeowners, condo or renters policy will be rewarded with a multi-policy discount of 18% off their personal auto policy, $50 off per eligible vehicle, and 10% off their homeowners, condo or renters policy.
    *Some restrictions apply.
  • Multi-Car Discount
    Available when two or more vehicles are covered under one policy.
  • 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 per person/$40,000 per accident bodily injury liability
  • $10,000 per accident property damage liability
  • $10,000 per person personal injury protection
  • $20,000 per person/$40,000 per accident uninsured/underinsured motorist*

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

*Uninsured/underinsured motorist coverages can be rejected in writing.

Additional Coverages

Collision Coverage
You may add Collision coverage to pay the cost of repairing or replacing your vehicle in the event of an auto accident, minus the amount of your deductible. Collision coverage protects against your vehicle’s collision with another vehicle or an object, like a guardrail or a tree.

Other Than Collision Coverage
Other Than Collision 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.

Collision and Other Than Collision Coverages are important for owners of:

  • Vehicles that are being leased or financed.
  • Newer vehicles that would be expensive to replace.
Uninsured Motorist Coverage
Uninsured motorist coverage protects you and others if injured in an accident with an at-fault driver who doesn’t carry liability insurance.

Underinsured Motorist Coverage
Underinsured motorist coverage protects you and others when injured in an accident with an at-fault driver whose liability limits are too low to cover the damages.

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

Some restrictions, terms and conditions apply.