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Coverage and service on the Islands

Hawaii has 2,433 miles of paved freeways, highways and roadways on the state's six major islands. If you live in or are an active-duty member moving to the Aloha State, USAA offers a combination of coverage and service perfect for the Paradise of the Pacific. Whether you're managing Maui's Hana Highway, cruising to Waimea Canyon or navigating traffic in Honolulu, USAA can be there for you.

The average cost of car insurance in Hawaii

There are many things involved in determining auto insurance rates. How many miles you drive a year and your driving record play a part in how much you'll pay. Hawaii also is vulnerable to natural disasters like flooding, hurricanes, tsunamis, lava flows and earthquakes, all of which could affect your car insurance costs.

See note$105 See noteper month

The average monthly cost for all USAA auto policies issued in Hawaii in 2023.See note1

Hawaii car insurance coverage requirements

Hawaii is a no-fault state, which means no matter who caused the accident, your personal injury protection insurance will provide initial coverage for covered medical costs up to your policy limits.

As of Jan. 1, 2024, Hawaii law requires drivers to have the following minimum bodily injury and property damage liability limits:

  • $20,000 of bodily injury liability coverage per person

    This helps cover expenses for injuries or deaths to other vehicles' drivers and their passengers, if you're found at fault for an accident.

  • $40,000 of bodily injury liability coverage per accident limit

    This is the total amount of coverage for costs related to injuries or deaths to other vehicles' drivers and their passengers if you're at fault for an accident.

  • $10,000 property damage liability coverage

    This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident.

  • $10,000 personal injury protection (PIP)

    Hawaii also requires personal injury protection. This helps cover medical expenses for you and your passengers, no matter who's at fault in an accident.

Some drivers choose to have higher limits and more coverages for greater protection. If you're responsible for injuries and damage that cost more than your policy will cover, you may have to pay out of pocket.

A popular coverage option is roadside assistance.See note2 It can help if you're broken down and need a tow. Many drivers also add rental reimbursement.See note3 It helps cover the cost of a rental car if your vehicle is in the shop for repairs after a covered loss.

If you're making payments to a leasing company or a lender, they may also require you to carry collision and comprehensive coverages. Learn more about the different types of car insurance coverage.

Get up to 30% off your premium for being a safe driver.See note4

With USAA SafePilot®, the better you drive, the bigger the discount you may earn.

Reasons to choose USAA Auto Insurance in Hawaii

A countrywide survey showed that when members switched to a USAA Auto Insurance policy, they saved an average of $725 on their annual premium.See note5 Here's what else you can expect with a USAA Auto Insurance policy.

Coverage for whatever moves you

Still have questions about car insurance?

We can help. To speak with a representative, call 800-531-USAA (8722).([thats 800-531-]8722)