COVID-19 Response: Island Insurance is Always Here to Help and committed to limiting interruptions to our customers. While in-person services at the Island Insurance Center are temporarily suspended, our call centers are fully operational. Learn more
Island has been protecting Hawaii families and businesses for over 80 years.
The state’s only locally owned P&C insurer, Island keeps your money working in Hawaii.
Island is rated “A” Excellent for financial strength and stability by A.M. Best.
Hawaii insurance savings and discounts, flexible payment options, superior local claims service, and Island Certified℠ auto repair network on all islands.
If you’re interested in saving money with a basic auto insurance policy, look no further than Island’s GoLow℠ Auto Policy. Created with maximum affordability in mind and featuring our lowest rates, GoLow℠ offers liability protection and enough coverage to keep you on the go and your car on the road.
You’ll be well protected with an Island Auto Policy, which features a wide variety coverages and limits that can be tailored to your preferences. Whatever level of protection fits you best, from minimum requirements to maximum peace of mind, Island has an auto policy that’s just right for you.
Bundling truly is better! When you combine your Island auto insurance with a companion home, condo or renters policy, you unlock another level of savings with the Island Package Bundle. More protection. More convenience. More value.
You could save hundreds on your auto insurance with Island, and take advantage of discounts and added extras like built-in accident forgiveness, emergency towing, and more.
All Hawaii drivers are required to maintain at least the minimum amount of car insurance coverage below:
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 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:
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 protects you and others when injured in an accident with an at-fault driver whose liability limits are too low to cover the damages.
Some restrictions, terms and conditions apply. The descriptions above contain general summaries of available insurance coverages and are not a statement of contract. All insurance coverages are subject to policy provisions, limitations and exclusions that can only be expressed in the policy itself. For more information on Hawaii insurance coverages, please contact your insurance agent.