Non-owner car insurance in Hawaii: Best and cheapest companies

Cheapest non-owner car insurance companies in Hawaii

GEICO offers the lowest non-owner car insurance rates in Hawaii, with an average cost of $330. The next most affordable option is Progressive, which has an average rate of $493.

The table below lists the most budget-friendly non-owner car insurance companies in Hawaii.

Company	Average annual premium	Average monthly premium
GEICO	$330	$28
Progressive	$493	$41
State Farm	$609	$51
USAA	$149	$12

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Best non-owner car insurance in Hawaii

Although GEICO came out on top, Progressive and State Farm are also excellent choices for providing non-owner coverage.

To find the best non-owner car insurance companies in Hawaii, we looked at several factors, including how many complaints each company receives, financial stability and average rates. We used rate data from Quadrant Information Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners.

The table below compares the top non-owner car insurance companies in Hawaii.

Company	Average annual premium	J.D. Power	NAIC	AM Best	Overall score
GEICO	$330	825	0.91	A++	3.31
Progressive	$493	811	0.65	A+	2.86
State Farm	$609	822	0.70	A++	2.72

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Insurance.com's top choices for non-owner car insurance

Take a closer look at our top picks for non-owner car insurance in Hawaii.

GEICO

GEICO is our top choice for non-owner car insurance in Hawaii. Its average annual non-owner car insurance cost is $330. GEICO has an AM Best score of A++ and a low NAIC complaint ratio of 0.91.

Progressive

Another excellent choice for non-owner car insurance in Hawaii is Progressive. Average rates are $493 annually. Progressive has an AM Best rating of A+ and an NAIC complaint ratio of 0.65.

State Farm

Our third pick is State Farm. State Farm rates average $609. Its NAIC complaint ratio is 0.7, and it has a rating of A++.

PEOPLE ASK:

Do I need Hawaii non-owner car insurance to drive a friend's car?

Probably not, unless you use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.

Average cost of non-owner car insurance in Hawaii

Non-owner car insurance in Hawaii costs $395 on average. However, your actual rate may vary depending on factors like your driving history, age and the level of coverage you choose.

Non-owner car insurance in Hawaii by age and gender

Your age and gender can impact your rates, whether you're shopping for non-owner or standard car insurance in Hawaii.

Age plays an important role in calculating car insurance rates. Younger drivers have less experience and are more likely to have accidents, so insurance companies charge higher rates to cover the risk.

Gender is another factor that affects car insurance rates in most states. Men are often considered higher-risk drivers and tend to have more accidents, resulting in higher premiums.

Here are the average Hawaii non-owner car insurance rates by age and gender.

Age group	Female	Male
Teens (16-19)	$464	$464
Young Adults (20-24)	$398	$398
Adults (25-60)	$395	$395
Seniors (65-75)	$395	$395

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Non-owner vs. traditional car insurance

Non-owner car insurance is typically cheaper than standard car insurance since coverage is minimal. Non-owner car insurance only includes liability coverage, while owner car insurance can include a lot more coverage.

For example, non-owner car insurance in Hawaii doesn't pay for damages to the car you're driving or any injuries you sustain. Owner car insurance can include collision and comprehensive coverage to pay for vehicle damages.

Furthermore, because insurance companies anticipate that people who don't own a car will drive less frequently, and because non-owner car insurance is secondary to the owner's policy, the risk of a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. is much lower.

The table below shows a comparison of average yearly rates for non-owner and standard car insurance.

Non-owners state minimum policy	$395
Traditional state minimum policy	$396
State minimum car insurance limits	20/40/10

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What does Hawaii non-owner car insurance cover?

A Hawaii non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Hawaii, but it won't cover any damage to the vehicle you're driving.

Non-owner car insurance is considered secondary coverage, meaning it only kicks in after the car owner's policy limits are exceeded.

The bottom line: Non-owner car insurance in Hawaii

Hawaii drivers may need non-owner car insurance for various reasons, such as renting or borrowing a car. However, this type of coverage typically only offers liability coverage to pay for property damage or bodily injuries you cause to others. Coverage does not extend to you or the vehicle you're driving.

In Hawaii, non-owner car insurance costs an average of $395, with GEICO offering the most affordable rates. Based on our research, GEICO stands out as the best overall option. Remember, factors like your age, gender and driving history can significantly affect your insurance rates.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.