Best Car Insurance in Hawaii

Yes, Progressive insurance is available in Hawaii. Progressive's liability car insurance coverage costs about $114 per month in Hawaii, on average, though rates vary based on a customer's personal factors, such as their zip code, official driving record, any discounts they qualify for, and their chosen coverage options.

Residents of Hawaii can purchase Progressive insurance online, by phone, and from local independent agents in Hilo and Honolulu. Most agents offering Progressive auto insurance are in Honolulu, but two businesses located in Hilo, Hawaii – Finance Insurance Limited and Business Insurance Services – offer coverage from Progressive as well.

Progressive Insurance Agents in Honolulu, Hawaii

• Jerry Hay, Inc.
• ACW Group, LLC - Insurance & Bonding
• Cavanah Associates, Inc.
• Insurance Associates Inc.
• Insurance Factors
• Premier Insurance Agency
• Pyramid Insurance Centre, Ltd.
• Business Insurance Services, Inc.
• Atlas Insurance Agency
• Hawaii Insurance Services
• David Chen Insurance Agency Inc.
• Finance Insurance, Ltd.
• Insurance Agency Hawaii LLC
• Mutual House

In addition to Progressive, seven of the top 10 major insurance companies offer car insurance in Hawaii: State Farm, Geico, Allstate, USAA, Liberty Mutual, Farmers, and Travelers. However, two of the top 10 companies, Nationwide and American Family, do not offer auto insurance in Hawaii.

No, you cannot insure a car with a salvage title in Hawaii. Salvage vehicles are cars that have been declared a total loss, meaning they're too damaged to be worth repairing and cannot be driven legally. As a result, no legitimate car insurance company writes policies for them.

Although insurance companies in Hawaii won't insure a car with a current salvage title, you can get coverage if you have the vehicle repaired and inspected by a state-certified mechanic. If it's declared safe to drive, the DMV will issue the car a rebuilt title. Several insurance companies, including Allstate and Geico, sell policies to vehicles with rebuilt title.

Keep in mind that some insurers will only sell liability insurance for rebuilt cars, meaning that they won't pay for any physical damage to the vehicle. Even if you are able to get collision and comprehensive insurance, your policy may not cover the full value of the car if it's totaled again.

Insurance companies in Hawaii have at least 45 days to settle a claim and make a payment after the claim is filed. Hawaii insurance companies must also acknowledge a claim within 15 days.

Hawaii does not specify a separate timeframe in which the insurance company must actually approve or deny the claim during this process, however. The law only mandates that it be done in "reasonable time".

Insurance Claim Timeline in Hawaii

• 15 days to acknowledge the claim and send the policyholder instructions and paperwork, including proof-of-loss forms which serve as a sworn statement from the policyholder about the scope of the damage or injuries.
• 30 days to make the final payment if the claim is approved.

Still, you are entitled to an efficient settlement. If you think that your insurance company is violating the law or operating unethically, you can file a “bad faith” lawsuit, which may award you the original settlement amount with added interest and penalties.

With that being said, it's important to remember that several factors can affect exactly how long it takes for an insurance company to settle a claim. For example, severe accidents, claims involving bodily injury, and poor communication between involved parties can all slow down the process.

You can get car insurance discounts in Hawaii based on how you drive, the car you own, and your relationship with your insurance company. In Hawaii, car insurance companies are allowed to consider factors like insurance history and zip code when setting premiums. That means there are also discounts available for being continuously insured. In Hawaii, insurance companies cannot use your residential status to determine rates. That means you can't get discounts for owning a home, which is a common discount in other states.

Almost anyone can get a discount on car insurance in Hawaii because most insurance companies make it easy to qualify for a variety of savings. Hawaii insurers typically offer discounts that fall into one of three categories—policy discounts, driver discounts, and vehicle discounts.

Policy discounts typically reward customer behavior that is desirable to the insurance company. For example, most Hawaii drivers can save by registering for paperless billing or getting both home and auto policies from the same company. Driver discounts are available to Hawaii residents who are lower-risk to insure, like those with clean driving records. And vehicle discounts help drivers save if their car has certain safety features or anti-theft systems.

Car Insurance Discounts in Hawaii

Remember, discounts vary among different insurance companies, so it's always best to contact the provider directly to determine which discounts you qualify for.

Car insurance usually follows the car in Hawaii. The types of car insurance that follow the car in Hawaii are collision, comprehensive, and property damage liability. You're required to carry property damage liability and personal injury protection in Hawaii. PIP follows the driver, unlike liability coverage.

If you let someone borrow your car and they cause an accident in Hawaii, bodily injury liability insurance pays for injuries to the other driver and their passengers. Property damage liability insurance will pay for damage to the other driver's car. If the person who borrowed your car causes damage that exceeds your coverage limits, their liability policy can act as secondary coverage. But their coverage only kicks in after yours is tapped out.

You won't need to use your PIP or MedPay coverage if someone caused an accident while driving your car because PIP and MedPay follow the driver. You will have to use your collision and comprehensive insurance to pay for damage to your car, though. These optional coverage types pay for your car to be fixed no matter who was driving, but it is a claim on your policy.

It's always a risk to lend your car to someone else, because you could definitely end up filing a claim using your own insurance in Hawaii. When someone borrows your car, they also borrow your insurance coverage in most cases.