Non-owner car insurance is specifically designed to provide coverage for individuals who don't own a vehicle. It offers protection if you cause an accident while driving someone else's car. In many states, obtaining non-owner car insurance can help you reinstate your driver's license following a DUI conviction.
MoneyGeek found that State Farm offers the least expensive non-owner car insurance in Hawaii for drivers with clean records and those who have been at fault in accidents. State Farm is also regarded as the best provider for its affordability and service quality.
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Cheapest Non-Owner Car Insurance in Hawaii
State Farm provides the most affordable non-owner car insurance in Hawaii:
- Drivers with clean records: State Farm ($21 per month)
- Drivers with traffic violations: State Farm ($25 per month)
Non-owner car insurance premiums are typically more expensive for individuals with driving offenses on their records. In Hawaii, State Farm charges drivers with violations an additional $4 compared to those with clean driving records.
Cheapest Non-Owner Car Insurance With a Clean Driving Record in Hawaii
Hawaii residents with clean driving records can purchase the most affordable non-owner auto insurance from the following providers:
- State Farm: $21 per month
- GEICO: $26 per month
USAA offers the cheapest non-owner car insurance in the Aloha State, with rates averaging $18 per month. It's important to note that these policies are exclusively available to veterans, active military personnel and their families. On average, non-owner car insurance policies in Hawaii cost approximately $30 per month, which is below the national average of $43 per month.
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Hawaii’s minimum coverage requirements for standard plans also apply to non-owner car insurance policies as follows:
- $20,000 for bodily injury liability per person
- $40,000 for bodily injury liability per accident
- $10,000 for property damage liability
Although these limits satisfy the legal requirements, they might not provide adequate coverage for everyone. Assessing your auto insurance coverage requirements before finalizing a policy choice is essential.
Cheapest Non-Owner SR-22 Car Insurance in Hawaii
Hawaii drivers with violations can find the most affordable SR-22 coverage from the following providers:
- State Farm: $25 per month
- GEICO: $38 per month
Military members with violations in Hawaii can secure the most inexpensive SR-22 insurance through USAA, with prices averaging $22 per month.
After committing a driving offense like a DUI or at-fault accident, you may be required to file an SR-22 form, which can lead to higher insurance expenses. Hawaii's most affordable non-owner SR-22 insurance option costs $25 per month, — $34 less than the national average of $59 per month.
An SR-22 is a document that serves as evidence of possessing the required minimum liability insurance coverage mandated by your state. It is not a type of insurance but rather a form submitted by your insurance provider to the state to demonstrate your financial responsibility. An SR-22 in Hawaii may be required if you are convicted of a DUI or other severe violations.
What Is Non-Owner Car Insurance?
Non-owner auto insurance in Hawaii provides coverage for property damage and bodily injury to others in the event of an accident where you, as the driver, are deemed at fault. However, it does not include coverage for the damages to the vehicle you are driving or comprehensive coverage. The table below illustrates the differences between non-owner car insurance and a full coverage policy.
Policy Coverage | Full Coverage | Non-Owner |
---|---|---|
Liability insurance | ||
Medical payments | ||
Personal injury protection | ||
Uninsured/underinsured motorist | ||
Rental car liability | ||
Collision | ||
Comprehensive |
Average Cost of Non-Owner Car Insurance in Hawaii
In Hawaii, the average monthly cost of non-owner car insurance is roughly $30, which is $13 less than the national average of $43 per month. Your age, the make and model of your car and your driving history have a more significant influence on car insurance premiums than just your location.
Non-Owner Car Insurance Cost Comparison: National vs. State
Monthly Premium
$43Monthly Premium
$30This is 30% less expensive.
Best Non-Owner Car Insurance in Hawaii
The best companies for non-owner car insurance in Hawaii are:
- State Farm: MoneyGeek score 78 out of 100 ($21 per month)
- GEICO: MoneyGeek score 75 out of 100 ($26 per month)
- Progressive: MoneyGeek score 52 out of 100 ($57 per month)
MoneyGeek conducts evaluations of car insurance providers with consideration for multiple factors such as J.D. Power customer satisfaction ratings, AM Best financial stability ratings and affordability. Our comprehensive summaries of these top companies can help you select the most suitable option to meet your specific needs.

State Farm offers the best non-owner car insurance in Hawaii, boasting affordable rates and exceptional financial stability. The company provides notable coverage options, including roadside assistance and rental car and travel reimbursement.
State Farm also offers numerous opportunities for savings, with discounts available for bundling insurance policies, insuring multiple vehicles, maintaining a safe driving record, equipping anti-theft systems and completing defensive driving courses. Its rates are typically affordable for both teenagers and individuals with traffic violations.

As the second-best insurer, GEICO is renowned for its affordability, financial stability and customer satisfaction. The insurer stands out by offering mechanical breakdown insurance, which provides comprehensive coverage for vehicle repairs and is often more affordable than standard dealer-extended warranties.
GEICO offers unique discounts for seatbelt usage, installing anti-lock brakes and utilizing daytime running lights. Military members, federal employees and students can also take advantage of GEICO's exclusive discount offerings.

Progressive provides affordable minimum and full coverage auto insurance for drivers with traffic violations on their records. It is worth noting that GEICO's rates for young drivers are generally higher. However, the company does provide discounts that can help reduce costs, even for young drivers.
Additional opportunities for savings with GEICO include insuring multiple cars, bundling policies, maintaining safe driving practices, paying premiums in full, opting for paperless billing, maintaining continuous coverage and good student discounts. Progressive also offers extensive add-on coverage options such as deductible modification, roadside assistance, rental car and travel reimbursement, gap insurance, custom parts coverage and accident forgiveness.
Should You Get Non-Owner Car Insurance in Hawaii?
If you often drive cars you don't own or need to reinstate your driver's license in Hawaii, you should consider purchasing non-owner car insurance coverage. This particular type of insurance is highly advantageous for those who frequently borrow or rent cars and require coverage while driving. Let's explore whether obtaining non-owner auto insurance in Hawaii suits your circumstances.
Who Should Consider Non-Owner Car Insurance?
Car borrowers
If you frequently borrow cars from friends, family members or coworkers, obtaining a non-owner car insurance policy can provide you with the essential protection you need. This type of insurance guarantees coverage in the event of an accident or damage while driving a borrowed vehicle.
Occasional renters
Individuals who occasionally rent cars can benefit significantly from having non-owner insurance policies. Rental car companies often provide additional insurance options, which can come with high costs. By opting for a non-owner policy, you can save money by having your own coverage in place.
Drivers between cars
Purchasing a non-owner car insurance policy can be a smart decision if you're in a transitional phase between vehicles, such as selling your current car and planning to buy another one. This type of policy guarantees uninterrupted coverage during this period, allowing you to drive any vehicle free of concerns about being uninsured.
License reinstatement seekers
If you are looking to reinstate your driver's license after a suspension or revocation, it is often necessary to obtain non-owner car insurance and file an SR-22 form. This document serves as proof of insurance and can play a critical role in restoring your driving privileges. Buying non-owner car insurance and submitting the required documentation demonstrates compliance with insurance requirements and responsibility for driving behavior.
Exercise caution when encountering providers offering "one-day insurance" in Hawaii, as it could potentially be a scam. It's important to note that this type of insurance does not exist within the state. If you need temporary car insurance, such as during a move, obtaining short-term coverage directly from a reputable car rental company in Hawaii is safer. This ensures adequate protection for the specified period.
Frequently Asked Questions About Non-Owner Car Insurance in Hawaii
To assist you in selecting the most suitable coverage for your needs, we have answered some frequently asked questions regarding non-owner car insurance in Hawaii.
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