Non-Owner Car Insurance in Hawaii: The Cheapest Options and What You Need to Know

On average, it costs $409 per year to get non-owner car insurance in Hawaii, with State Farm offering the cheapest policies at an average of $254 annually. However, premiums can change based on various factors. MoneyGeek’s guide can help you learn how to get insurance without a car in Hawaii.

REVIEW AUTO INSURANCE RATES

Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin
Advertising & Editorial Disclosure
Last Updated: 8/15/2022

Non-owner car insurance in Hawaii is the best option for drivers who don’t own a car but often rent one or use car-sharing services. Drivers who need to get their licenses reinstated or require proof of insurance can also purchase non-owner car insurance as an affordable alternative. If you have a clean driving record, non-owner car insurance in Hawaii costs an average of $409 per year. Those with a serious violation, such as a DUI, could pay an average of $1,250 per year.

Aside from examining when to get non-owner insurance, MoneyGeek also analyzed quotes from various providers in Hawaii to help drivers find the best options.

tip icon

Cheapest Non-Owner Car Insurance Companies in Hawaii

A non-owner car insurance policy in Hawaii is more affordable than traditional auto insurance, and you can save money by comparing quotes.

If you’re looking for cheap non-owner car insurance in Hawaii, MoneyGeek found that the most affordable and widely-available options on average are:

  • State Farm: $254 per year
  • Farmers: $390 per year

For military members and their families, USAA is the most affordable option in Hawaii as their policies cost an average of $234 per year.

Progressive has the most expensive non-owner car insurance policies in the state at $760 per year on average.

Rates mentioned are for a 40-year old driver in Hawaii with a non-owner car insurance policy with coverage limits detailed in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Hawaii

Scroll for more

swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $234
    $20
  • State Farm
    $254
    $21
  • Farmers
    $390
    $33
  • GEICO
    $406
    $34
  • Progressive
    $760
    $63
Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin

How Much Is Non-Owner Car Insurance in Hawaii?

0
0

The average annual cost of non-owner car insurance in Hawaii is $409, while traditional auto insurance policies cost an average of $591 per year.

However, like traditional policies, non-owner car insurance rates can change significantly based on your driving history. If you have a DUI in Hawaii, a non-owner auto insurance policy will cost an average of $1,250 per year, while a traditional policy for a driver with a DUI will cost $1,767 on average annually.

Cheapest SR-22 Non-Owner Car Insurance Companies in Hawaii

In Hawaii, certain driving offenses, such as a DUI, may require you to file an SR-22. That said, if you don’t own a car but need to file an SR-22 in Hawaii to get your license reinstated, non-owner car insurance might be the most affordable option.

MoneyGeek researched rates for drivers with a DUI on their record and found that the following companies offer the cheapest non-owner SR-22 car insurance policies on average:

  • State Farm: $273 per year
  • Progressive: $1,097 per year

Military families may also opt for USAA, as they are the second cheapest insurer in the state. Their non-owner insurance policies cost an average of $396 per year if you have a DUI.

Conversely, GEICO offers the most expensive policies if you have a DUI, costing an average of $2,685 per year.

Cheapest SR-22 Non-Owner Car Insurance Companies in Hawaii

Scroll for more

swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $273
    $23
  • USAA
    $396
    $33
  • Progressive
    $1,097
    $91
  • Farmers
    $1,800
    $150
  • GEICO
    $2,685
    $224
Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin

What Is Non-Owner Car Insurance in Hawaii?

Non-owner car insurance, otherwise known as non-owner liability insurance, provides liability coverage and any other coverage required by the state of Hawaii for individuals who don’t own a car. For additional coverage, drivers can choose to get uninsured and/or underinsured motorists coverage.

However, full coverage insurance, or comprehensive and collision coverage, is not included in a non-owner car insurance policy.

tip icon
MONEYGEEK EXPERT TIP

Insurers in Hawaii have to offer non-owner car insurance policies that cover the state’s minimum requirements of:

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
  • $10,000 personal injury protection

Who Should Get Non-Owner Car Insurance in Hawaii?

You could benefit from purchasing non-owner car insurance in Hawaii if you fall into one of these categories:

  • You need proof of insurance to reinstate your license: In Hawaii, an SR-22 may be required after certain driving violations. If you don’t own a car but need proof of insurance to get your license reinstated, non-owner car insurance is a cheaper alternative than traditional auto insurance.
  • You frequently rent cars or use car-sharing services: If you rent a car more regularly, the annual premium of non-owner car insurance could be cheaper than purchasing rental car insurance repeatedly.
  • You require insurance to avoid a lapse in coverage: If you temporarily don’t have a car, you can purchase non-owner car insurance to avoid a lapse in coverage at a more affordable cost than traditional insurance.

Who Shouldn’t Get Non-Owner Car Insurance in Hawaii?

Non-owner car insurance is not suitable for every driver without a car. For instance, if you frequently borrow a car from your friend or loved one in Honolulu, their auto insurance policy will automatically cover you as long as they give you permission to drive their vehicle.

It also is not ideal if you do not rent cars frequently. If you only plan to rent a car once or twice a year, the rental car insurance provided by the rental company will be enough.

How to Get Non-Owner Car Insurance in Hawaii

Unlike traditional policies where you can get a quote online, getting a quote for non-owner car insurance in Hawaii requires calling the insurance provider. For interested drivers, MoneyGeek verified and listed the contact numbers of insurance companies that provide non-owner insurance in Hawaii below.

Contact Non-Owner Car Insurance Companies in Hawaii
  • Company
    Contact Number
  • USAA
    800-531-8722
  • State Farm
    800-782-8332
  • Farmers
    888-327-6335
  • GEICO
    800-207-7847
  • Progressive
    888-671-4405

Frequently Asked Questions About Hawaii Non-Owner Car Insurance

Traditional auto insurance policies are often confused with non-owner car insurance. While they do have similarities, the latter is for a specific type of driver and has limitations. MoneyGeek answered some frequently asked questions on non-owner car insurance to help eliminate any confusion.

Methodology

In collaboration with Quadrant Information Services, MoneyGeek collected rates for non-owner car insurance across insurers in Hawaii. Annual premiums were based on a sample profile of one 40-year-old driver with a safe driving record and another with a DUI. All policies meet Hawaii’s minimum car insurance requirements, except for liability insurance policies, which meet the following requirements:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

Rates collected for traditional car insurance policies followed the same limits.

sources