Car Insurance | Island Insurance

Car Insurance

Oahu and Neighbor Islands

Speak with an agent Monday to Friday,
8am – 4:30pm

The Auto Policy That’s Right for You

Protect what matters most with auto insurance policies created specifically for Hawaii drivers. Whether you’re on Oahu, the Big Island, Kauai, Maui, Lanai or Molokai, Island can help you find the combination of protection and value that’s right for you and your budget.

Our experienced local claims staff is held to the highest service standards and claims service is readily accessible online or via phone. Auto repairs are available by Island Certified℠ shops on Oahu, Big Island (Hilo and Kona), Maui and Kauai.

Flexible and convenient installment plans fit any budget and you can pay your car insurance premium online or by phone via debit or credit card.

Looking for More Insurance Protection?

Island offers auto policies ranging from maximum affordability to maximum peace of mind. Add an Island property policy to unlock additional savings with our Island Package Bundle – It’s the best value!

Island Auto Policy
Protection You Can Count On

You’ll be well protected with an Island Auto Policy, which features a wide variety of 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.

Homeowners Insurance
Lucky You Live Hawaii

It’s important that your homeowners insurance policy has the right coverages to protect you, your home and your valuables.

Island Package Bundle
Auto + Property = More Savings

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.

Get a Free Quote Today

Or Call (808) 643-4000

Monday to Friday, 8am – 4:30pm

Value of an Auto Policy from Island Insurance


We all want to save money where we can, and car insurance is no exception. With an Island auto policy, you get our commitment to providing exceptional value with stellar protection at a great price. Island’s auto insurance discounts help you save on your Hawaii auto policy premiums, in all the ways that count.

  • Prior Insurance Discount

  • Group Discount

  • Multi-Car Discount

  • Air Bag Discount

  • Island Package Bundle

  • Renewal Credit or Special Customer Credit

  • Hybrid Vehicle Discount

  • Anti-Theft System Discount

  • Anti-Lock Brake System Discount

  • At-Fault Accident Free Discount with Built-In Accident Forgiveness


Island auto policyholders with collision and other than collision coverages get the following benefits included with their auto policies, at no additional charge:

  • Emergency Towing & Labor Reimbursement
    • Emergency Towing
    • Lockout Service
    • Tire Change
    • Battery Jump Start
  • Rental Car Reimbursement

Check out our Benefits & Discounts page for more on the savings and value available to Island auto policyholders.

Frequently Asked Questions

Why do I need auto insurance in Hawaii?

Hawaii State law requires that vehicles be insured throughout the motor vehicle registration period and that drivers carry valid proof of auto insurance (motor vehicle insurance ID card) while driving. Not meeting these requirements may result in fines and/or jail time.

What are the Hawaii automobile insurance coverage requirements in Hawaii?

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

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

To learn more about car insurance coverage, click here.

If I’d like additional protection, what auto coverages are available?

For more protection, drivers can increase coverage limits and opt for additional auto coverages like Collision, Other Than Collision, etc.

  • 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.
  • 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.

To learn more about car insurance coverage, click here.

What factors can affect my Hawaii auto insurance premium?

Factors that could affect your auto premium:

  • Driving history
  • Coverage types and limits
  • Deductible amounts
  • Make and model of your car
  • Type of driving (business or pleasure)
  • Average daily driving distance
What if I am caught without auto insurance on my vehicle?

The penalties for driving without Hawaii car insurance may include fines starting at $500, suspension of your driver’s license, surrender of your vehicle’s registration certificate and license plates, and possible imprisonment.

For more information about car insurance in Hawaii, click here.

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.