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Get a Hawaii Insurance Quote

Oahu and Neighbor Islands

Speak with an agent Monday to Friday,
8am – 5:30pm

Island Insurance Has You Covered

Island Roots.
Island Values.

Island has been protecting Hawaii families and businesses for over 80 years.

Support
Local

The state’s only locally owned P&C insurer, Island keeps your money working in Hawaii.

Financial
Strength

Island is rated “A” Excellent for financial strength and stability by A.M. Best.

The Island
Advantage

Hawaii insurance savings and discounts, flexible payment options, superior local claims service, and Island Certified℠ auto repair network on all islands.

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Insurance Products

Call to speak with an agent:
(808) 643-4000

Monday to Friday, 8am – 5:30pm   Find an independent agent

Auto Insurance

Protect what matters most to you with the right auto insurance policy and value. When you’re shopping for car insurance in Hawaii, whether it’s on a tight budget or with maximum protection in mind, Island has a policy with competitive insurance rates for you.
GoLow Auto Policy

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.

Island Auto Policy

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.

Island Package Bundle

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.

Benefits & Discounts

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.

Hawaii Auto Insurance Coverage Requirements

All Hawaii drivers are required to maintain at least 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

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.

 

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.