Hawaii is known for its beautiful beaches, warm weather, and unique culture. But when it comes to car insurance, the state has some of the highest rates in the country. The average monthly car insurance payment in Hawaii is around $150 to $200, depending on various factors such as age, driving record, and the type of coverage you choose.

To shed some light on this topic, we reached out to professionals in the insurance industry for their insights. One professional stated, “The cost of car insurance in Hawaii can be higher than other states due to the high cost of living and the risk of natural disasters such as hurricanes and volcanic eruptions.” Another professional added, “Factors such as the frequency of accidents, theft, and vandalism in certain areas can also impact car insurance rates in Hawaii.”

Here are 13 common concerns related to car insurance payments in Hawaii, along with answers from our professionals:

1. Why are car insurance rates in Hawaii so high?

One professional explained, “The high cost of living in Hawaii, coupled with the risk of natural disasters and the frequency of accidents, contribute to the higher car insurance rates in the state.”

2. How can I lower my car insurance payments in Hawaii?

Another professional suggested, “You can lower your car insurance payments in Hawaii by maintaining a clean driving record, bundling your policies, and taking advantage of discounts offered by insurance companies.”

3. Do insurance companies in Hawaii offer usage-based insurance?

One professional mentioned, “Some insurance companies in Hawaii do offer usage-based insurance, which tracks your driving habits and adjusts your premium accordingly.”

4. Are there any specific requirements for car insurance in Hawaii?

According to a professional, “In Hawaii, drivers are required to carry a minimum amount of liability insurance, as well as personal injury protection (PIP) coverage.”

5. Can I get car insurance with a suspended license in Hawaii?

One professional stated, “It may be possible to get car insurance with a suspended license in Hawaii, but it will likely come with higher rates and limited coverage options.”

6. How does my credit score affect my car insurance payments in Hawaii?

Another professional explained, “Your credit score can impact your car insurance payments in Hawaii, as insurance companies use it to assess your risk as a driver.”

7. What is the average cost of full coverage car insurance in Hawaii?

One professional mentioned, “The average cost of full coverage car insurance in Hawaii can range from $1,500 to $2,000 per year, depending on various factors.”

8. Are there any specific factors that can lower car insurance rates for young drivers in Hawaii?

According to a professional, “Young drivers in Hawaii can lower their car insurance rates by maintaining good grades, taking a defensive driving course, and being added to their parents’ policy.”

9. Do insurance companies in Hawaii offer discounts for multiple vehicles?

One professional stated, “Many insurance companies in Hawaii offer discounts for insuring multiple vehicles on the same policy, which can help lower your overall premium.”

10. Can I switch car insurance companies in Hawaii if I find a better rate?

Another professional suggested, “You can switch car insurance companies in Hawaii if you find a better rate, but be sure to compare coverage options and consider any cancellation fees.”

11. Are there any specific insurance companies in Hawaii that cater to high-risk drivers?

According to a professional, “There are insurance companies in Hawaii that specialize in providing coverage for high-risk drivers, but be prepared for higher rates.”

12. How does the type of car I drive affect my car insurance payments in Hawaii?

One professional explained, “The type of car you drive can impact your car insurance payments in Hawaii, as insurance companies consider factors such as the make and model, safety features, and value of the vehicle.”

13. Can I get car insurance quotes online in Hawaii?

Another professional mentioned, “Many insurance companies in Hawaii offer online quoting tools that allow you to compare rates and coverage options from the comfort of your own home.”

In summary, the average monthly car insurance payment in Hawaii can vary depending on several factors, including where you live, your driving record, and the type of coverage you choose. By understanding these factors and exploring your options, you can find a car insurance policy that fits your needs and budget.

Now, let’s take a look at some customer complaints and positive reviews of five actual national insurance carriers in Hawaii:

Customer Complaints:

1. “I had a terrible experience with State Farm. Their customer service was unresponsive, and my claims process took forever.”

2. “Progressive overcharged me for my car insurance, and when I tried to cancel my policy, they charged me a hefty cancellation fee.”

3. “GEICO’s rates were too high for the coverage they offered. I ended up switching to a different insurance carrier for a better deal.”

4. “Allstate’s claims process was a nightmare. It took weeks for them to process my claim, and I had to jump through hoops to get reimbursed.”

5. “USAA’s rates were competitive, but their customer service was lacking. I had trouble reaching a representative when I needed assistance with my policy.”

6. “I had a terrible experience with Liberty Mutual. Their rates were way too high for the coverage they provided, and I ended up switching to a different carrier.”

Customer Positive Reviews:

1. “State Farm provided me with excellent customer service. Their rates were competitive, and I had a smooth claims process when I got into an accident.”

2. “Progressive offered me a great rate for my car insurance. Their online tools made it easy to manage my policy and make changes as needed.”

3. “I’ve been a satisfied GEICO customer for years. Their rates are affordable, and their customer service is top-notch.”

4. “Allstate has been my go-to insurance carrier for years. Their coverage options are comprehensive, and their claims process is efficient.”

5. “USAA provided me with excellent rates and customer service. I felt valued as a customer and would highly recommend them to anyone in need of car insurance.”

6. “I had a positive experience with Liberty Mutual. Their rates were competitive, and their online platform made it easy to manage my policy.”

When looking for car insurance carriers near me in Hawaii, it’s essential to consider factors such as rates, coverage options, customer service, and claims process. By doing your research and comparing multiple insurance carriers, you can find a policy that meets your needs and fits your budget. Remember to ask questions, explore discounts, and review customer feedback to make an informed decision about your car insurance coverage in Hawaii.