You cannot get pay-per-mile insurance in Hawaii, since no car insurance companies currently offer pay-per-mile coverage in the state. Pay-per-mile insurance is a type of car insurance policy that charges drivers a daily or monthly base rate plus a few cents for each mile driven, but it’s not available everywhere.
There are other ways for infrequent drivers in Hawaii to save, though. For instance, Hawaii drivers can ask their insurer about low-mileage discounts. Similarly, many companies offer usage-based insurance, which tracks policyholders’ driving habits and gives them a discount for safe driving. However, only some companies factor in mileage.
Even though pay-per-mile insurance isn’t available in Hawaii right now, pay-per-mile programs like Allstate Milewise, Nationwide SmartMiles, and Liberty Mutual ByMile have been expanding over the past few years. So it’s worth checking back in the future to see if any pay-per-mile insurance options have become available in Hawaii.
Yes, Metromile offers full coverage insurance for customers who choose to buy it. Metromile sells all the components of full coverage, including liability, collision, and comprehensive coverage, plus any type of insurance that a state might require, such as uninsured motorist insurance or personal injury protection.
Current and potential Metromile customers can call the company at 1-888-242-5204 to ask about the coverage that is available in their state. For more information, check out WalletHub’s Metromile car insurance review.
In Hawaii, drivers need $20,000 of bodily injury liability insurance per person, up to $40,000 per accident, and $10,000 of property damage liability insurance. Hawaii does not require uninsured motorist protection, which replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits. Coverage like MedPay or personal injury protection pays for medical expenses for you and your passengers, and PIP is required in Hawaii.… read full answer
Here’s How Much Car Insurance Drivers Need in Hawaii:
If you lease or finance your car, you may be required to carry coverage types that are not mandatory under Hawaii law. Lenders usually require comprehensive and collision insurance. Collision insurance covers repairs to your car when you hit another car or object. If the damage to your vehicle was caused by something other than a collision—like a natural disaster, vandalism, falling objects, or animals—it is most likely covered by comprehensive insurance. You might also have to get gap insurance, which covers the difference between what you owe on your loan and what the vehicle is worth at the time of a total loss.
Car insurance in Hawaii costs $42 per month, on average, or $501 per year. The average cost of car insurance in Hawaii is 30% lower than the national average auto insurance premium, and Hawaii ranks 16 out of 50 for the most affordable car insurance rates in the U.S.
There are several factors that affect how much you’ll pay for car insurance in Hawaii, including your driving record, age, location, the amount of coverage that you purchase, and the insurance company you buy it from. On average, the cheapest insurance companies in Hawaii are Geico, USAA, and State Farm. But every insurer has their own way of calculating premiums, so it’s a good idea to get quotes from at least three different companies to make sure you find the best deal.
Finally, it’s worth noting that car insurance premiums in Hawaii are low, compared to the cost of coverage in neighboring states like California and Alaska. You can find more details in the table below.
Cost of Car Insurance in Hawaii vs. Neighboring States
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