- Hawaii government car insurance for low-income drivers
- Best low income car insurance in Hawaii
- Cheap car insurance in Hawaii for low-income families
- Car insurance discounts in Hawaii for low-income drivers
- Compare auto insurance rates by city in Hawaii
- Methodology
- Source:
- Auto insurance FAQs
- Compare low-income car insurance rates in Hawaii with other states
Hawaii government car insurance for low-income drivers
Low-income drivers can apply for Hawaii's No-Fault Insurance Program to get affordable car insurance and meet legal requirements.
The requirements for the Hawaii low-income program are:
- Have a valid driver license unless they are a disabled individual who is unable to operate a vehicle and is the registered owner of the vehicle.
- Receive public assistance either as direct cash payments, through the supplemental security income program under the Social Security Administration, or in the form of medical services through the Department of Human Services (received prior to July 1, 1994, and still receiving).
There is no cost for this insurance program. To apply, you need to provide a certificate of eligibility to an insurance company participating in Hawaii’s assigned risk plan.
The minimum car insurance requirements in Hawaii are as follows:
| Minimum liability coverage limits | Average annual premium | Other types of insurance required (if any) |
|---|---|---|
| 20/40/10 | $396 | PIP |
Remember that if you have a loan on your car, you’re required to carry full coverage, which includes collision and comprehensive.
Best low income car insurance in Hawaii
People on a tight budget still deserve great service from their car insurance company. We gathered the data on the top car insurance companies in Hawaii and compared them on rates for state-minimum coverage, financial stability and customer satisfaction based on J.D. Power and National Association of Insurance Commissioners (NAIC) scores.
Geico came out on top as the best pick for low-income car insurance.
These are the best low-income car insurance companies in Hawaii.
| Company | Average annual premium | J.D. Power | AM Best | NAIC | Insurance.com score |
|---|---|---|---|---|---|
| Geico | $258 | 825 | A++ | 0.91 | 3.31 |
| State Farm | $496 | 822 | A++ | 0.7 | 2.74 |
| Progressive | $452 | 811 | A+ | 0.65 | 2.67 |
| Farmers | $408 | 821 | A | 0.8 | 2.63 |
| Allstate | $500 | 812 | A+ | 0.65 | 2.52 |
Cheap car insurance in Hawaii for low-income families
Price is the number one consideration when working with a tight budget. We gathered rates from car insurance companies in Hawaii to find the cheapest options on average.
Based on state-minimum coverage, we found that the cheapest car insurance company in Hawaii is Geico at an average rate of $258 a year.
| Company name | Average annual premium | Average monthly premium |
|---|---|---|
| Geico | $258 | $21 |
| Farmers | $408 | $34 |
| Island Insurance | $415 | $35 |
| Progressive | $452 | $38 |
| State Farm | $496 | $41 |
| Allstate | $500 | $42 |
| USAA | $246 | $21 |
Car insurance discounts in Hawaii for low-income drivers
Discounts are the best way to bring down your car insurance rates. There are a number of discounts low-income drivers in Hawaii can take advantage of for cheaper insurance. Take a look at some common discounts and how much you can save below.
| Discount type | % Discount |
|---|---|
| Air Bags | 2% |
| Anti-Theft Device | 1% |
| Daily Commute | 9% |
| Days Advanced Purchase | 9% |
| Days Per Week Driven | 6% |
| Education | 3% |
| Electronic Funds Transfer | 5% |
| Electronic Signature | 3% |
| Homeowner | 3% |
| Loyalty - Years Renewal With Company | 12% |
| Multi Policy | 7% |
| Paperless/Electornic Documents | 5% |
| Payment Type | 15% |
| Primary Use | 9% |
| Safety Devices | 2% |
| Telematics | 14% |
| Years Insured | 20% |
Compare auto insurance rates by city in Hawaii
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in Hawaii will impact what you pay. Below, we've gathered Hawaii car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Honolulu | $1,515 |
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Services in late 2023 for state minimum car insurance policies across all states. Rates are based on a 40-year-old driver with a clean driving record and good credit, driving a Honda Accord LX. We compared rates from 170 companies across 35,488 ZIP codes.
Source:
Department of Human Services - Hawaii. “Chapter 654. Hawaii No-Fault Insurance.” Accessed August 2024.
Auto insurance FAQs
What is the cheapest car insurance company for low-income people?
In Hawaii, the cheapest car insurance company is Geico. However, that’s based on average rates and may differ for you, so it’s important to shop around.
Does Hawaii have car insurance for low-income individuals?
Yes, Hawaii has a car insurance program for low-income individuals. It’s called Hawaii's No-Fault Insurance Program.
Compare low-income car insurance rates in Hawaii with other states
Helpful auto insurance tools and calculators
You might also be interested in- Hawaii car insurance guide
- Cheapest car insurance for high-risk drivers in Hawaii
- Cheapest home and auto insurance bundle in Hawaii
- Hawaii gap insurance: Everything you need to know
- Best cheap car insurance in Hawaii for 2024
- Best condo insurance in Hawaii for 2024
- Best and cheap homeowners insurance in Hawaii for 2024
- Best and cheapest renters insurance in Hawaii
