Non-Owner Car Insurance in Hawaii

Non-owner car insurance serves Hawaii drivers who regularly use vehicles they don't own. This liability coverage pays for injuries and property damage you cause to others in an accident, but it won't cover any damage to the car you're driving. It's designed for people who frequently borrow cars, use car-sharing services, or rent vehicles but don't have a car registered in their name.

Hawaii requires all drivers to carry minimum liability coverage of 40/80/20: $40,000 for injuries to one person, $80,000 for total injuries per accident and $20,000 for property damage. A non-owner policy meets these state requirements and keeps you legal on the islands' roads without owning a vehicle.

The coverage works differently depending on your situation. When you borrow someone's car, their insurance pays first if you cause an accident, and your non-owner policy covers excess damages beyond their limits. With rental cars, your non-owner insurance becomes primary coverage and pays from the first dollar of a claim rather than acting as backup protection.

Yes. Hawaii allows non-owner car insurance and counts it as liability coverage under the state's financial responsibility laws. Not every insurer sells it, though. Drivers without a vehicle buy these policies to keep their coverage continuous. A non-owner policy can also meet an SR-22 filing requirement for license reinstatement or other legal obligations.

Most insurers don't quote non-owner policies online, so call a company or an agent directly. MoneyGeek found average rates and phone numbers for insurers that offer policies in Hawaii to help streamline your search. If this is your first non-owner policy, learn how to get car insurance without a car before you call.

Get non-owner car insurance in Hawaii if you're often behind the wheel of cars you don't own. That includes people who borrow cars a lot, rent often or need to reinstate a license. Without a non-owner policy, each of these drivers has a gap in coverage:

• Frequent vehicle borrowing: The owner's insurance pays first if you crash their car. Your non-owner policy pays whatever damages go past their limits. This protects the owner's insurance record and rates, and it protects you both from a large bill.
• Regular car rentals: Liability coverage from a rental company costs $15 to $30 a day. Three days at the top rate come to $90, which is more than a full month of non-owner coverage. When you rent, your non-owner policy is the primary coverage, so you can skip those charges on every trip.
• Continuous coverage: A gap in your insurance can raise your premiums later. If you're between cars and plan to buy one, a non-owner policy keeps your insurance history unbroken. Insurers charge less for an unbroken history, so your next car costs less to insure.
• License reinstatement: To reinstate a suspended license, Hawaii requires proof of insurance. A non-owner policy counts as proof of financial responsibility, so you can meet the requirement without buying a car.

Non-owner coverage doesn't make sense if you own a vehicle or rarely drive. Personal auto insurance would be more beneficial for vehicle owners. Consider alternatives like rental car insurance for occasional trips or usage-based insurance for infrequent drivers.

• Own your own car (standard auto insurance required)
• Borrow vehicles only a few times yearly
• Live with vehicle owners (join their policy instead)
• Need one-time rental coverage

Low-cost non-owner car insurance rates in Hawaii range from $56 per month with Progressive to just $31 with GEICO. That's a $25 difference for identical coverage, making GEICO the most affordable car insurance company in Hawaii. Most insurers don't offer online quotes for this type of policy, so you'll need to call for pricing. MoneyGeek compared rates from six companies willing to write non-owner coverage.

A non-owner policy meeting Hawaii's 40/80/20 minimum requirements covers injuries and property damage you cause to others. It's one of the more affordable types of car insurance because it doesn't include comprehensive or collision coverage for damage to the vehicle you're driving.

Hawaii's average non-owner car insurance costs $504 annually or $42 monthly, that's $41 less than the national average.

Several key factors determine what you'll pay for non-owner car insurance in the islands. Your driving record, age, coverage choices and insurer all play a role in your final premium.

• Driving history: A DUI raises your non-owner rate to about $80 a month. Drivers with a clean record pay much less, and every violation adds to your cost.
• Driver age and experience: Adults pay $42 a month on average, and younger drivers pay $28. Insurers set a different non-owner rate for each age group based on how risky they rate that group.
• Coverage limits: All rates on this page are for Hawaii's minimum liability coverage. Higher limits cost more, but they give you more financial protection behind the wheel.
• Choice of insurer: GEICO charges $31 a month for the same coverage that costs $56 at Progressive. That's a $25 difference each month, so compare quotes before you buy.

These answers cover what non-owner car insurance costs in Hawaii and which insurers charge the least.

MoneyGeek pulled Hawaii auto insurance rates from the Hawaii Insurance Division and Quadrant Information Services. We compared quotes from several insurers to find the cheapest ones.

Coverage Levels

Every quote in our comparison is for a minimum coverage policy from an insurer in Hawaii. The state's minimums are:

• Bodily injury liability per person: $40,000
• Bodily injury liability per accident: $80,000
• Property damage liability per accident: $20,000
• Personal injury protection (PIP): $10,000

Sample Driver Profile

We based our Hawaii non-owner rates on one sample driver:

• A 40-year-old man
• A driving record with no violations

For comprehensive details, see MoneyGeek's car insurance methodology.