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

Which companies offer the cheapest non-owner car insurance in Hawaii?

The cheapest non-owner car insurance company in Hawaii is GEICO, with average annual rates of $407, followed by State Farm at $429. These insurers consistently offer the lowest liability-only premiums for drivers who don't own a vehicle.

Compare the cheapest non-owner car insurance companies in Hawaii below.

Company	Average annual premium	Average monthly premium
GEICO	$407	$34
State Farm	$429	$36
Progressive	$578	$48
USAA	$141	$12

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What are the best non-owner car insurance companies in Hawaii?

The best non-owner car insurance companies in Hawaii are GEICO, State Farm, and Progressive, based on average rates, customer satisfaction, and complaint ratios. These insurers offer reliable, competitively priced 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	A.M Best	Overall score
GEICO	$407	624	0.60	A++	4.44
State Farm	$429	648	0.87	A+	4.29
Progressive	$578	616	0.60	A+	3.16
USAA	$141	720	1.16	A++	4.50

Read our methodology

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

Our number one pick for non-owner car insurance in Hawaii is GEICO. The average rate for liability coverage is $407. GEICO has an AM Best score of A++ and an NAIC complaint ratio of 0.60.

State Farm

Another excellent choice for non-owner car insurance in Hawaii is State Farm. Average rates are $429 annually. State Farm has an AM Best rating of A+ and an NAIC complaint ratio of 0.87.

Progressive

Our third choice is Progressive, with an average rate of $578. It has an NAIC complaint ratio of 0.60 and an AM Best 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.

How much does non-owner car insurance cost in Hawaii?

The average cost of non-owner car insurance in Hawaii is $389 per year, but individual rates vary significantly based on factors such as driving history, ZIP code, and coverage limits

Your rate will vary based on:

Your driving record
The coverage levels on your policy
Your ZIP code

Non-owner car insurance in Hawaii by age and gender

Younger drivers often pay more because they have less driving experience and higher accident rates. Rates often decrease after age 25 and stay lower through middle age.

How it works:

Teen drivers pay the highest rates due to lack of experience and a statistically higher risk of a crash
Rates start to level out around the age of 25 and continue to drop
Drivers in their 50s pay the lowest average rates
After 65, rates increase, but not dramatically

Even in a state that bans the use of age and gender for car insurance rates, like Hawaii, your years of driving experience will still impact what you pay.

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

Age group	Male	Female
Teens (16-19)	$454	$453
Young Adults (20-24)	$394	$394
Adults (25-60)	$389	$389
Seniors (65-75)	$389	$389

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Do you need non-owner car insurance in Hawaii?

Drivers in Hawaii may need non-owner car insurance if they frequently borrow or rent vehicles, need an SR-22 filing or want to maintain continuous coverage between cars. Drivers who own a vehicle, rarely drive or already have coverage through another policy generally do not need a non-owner policy.

You may need non-owner car insurance if:

You frequently drive cars owned by others and want an extra layer of protection
You frequently rent cars
You need insurance to file an SR-22 in order to reinstate your license
You want to prevent a lapse in coverage while in between cars

You don't need a non-owner policy if:

You own and insure your own vehicle
You only drive cars owned by others occasionally
You drive a company car for which insurance is provided by your employer

Non-owner vs. traditional car insurance

Non-owner car insurance usually costs less than standard car insurance because it provides minimal coverage. While non-owner policies only include liability coverage, standard car insurance can offer much broader protection.

For instance, non-owner car insurance in Hawaii won't cover damage to the vehicle you're driving. In contrast, traditional car insurance can include collision and comprehensive coverage to help pay for vehicle repairs or replacements.

Additionally, since insurance companies expect that people without a car will drive less often and because non-owner car insurance serves as secondary coverage to the vehicle owner's policy, the overall 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 liability only	$389
Traditional state minimum policy	$477
State minimum car insurance limits	20/40/10

Read our methodology

What does Hawaii non-owner car insurance cover?

Non-owner car insurance in Hawaii generally provides the minimum required liability coverage, including bodily injury and property damage liability. In no-fault states, policies will also include required personal injury protectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault. (PIP) coverage. However, non-owner insurance does not cover damage to the vehicle you are 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

Drivers in Hawaii who frequently rent or borrow vehicles may benefit from non-owner car insurance. This policy provides liability protection if you cause injuries or property damage to others. However, it does not cover your injuries or damage to the car you are driving.

Non-owner car insurance in Hawaii costs an average of $389 per year. GEICO offers the cheapest average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $407. Based on our analysis of rates, complaint data and financial strength, GEICO is the best overall insurer for non-owner coverage in Hawaii.

Shop around to find the best Hawaii non-owner car insurance available. Use the tool above to compare non-owner insurers in your area.

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++.

FAQ: Non-owner car insurance in Hawaii

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

No. If you have permission to drive the vehicle, the owner's insurance policy will normally cover you. However, if accident costs exceed the policy limits, non-owner insurance can provide additional liability protection.

Can I use non-owner insurance for Uber or delivery driving in Hawaii?

No. Non-owner car insurance does not cover commercial driving activities such as Uber, Lyft or food delivery services. Drivers using vehicles for rideshare or delivery work need commercial or rideshare insurance coverage that specifically includes business-related driving risks.

Does non-owner insurance cover rental cars?

Yes. A non-owner policy will provide you with liability coverage in a rental car. However, it doesn't cover damage to the vehicle itself, only injuries and damage to others.