Cheapest and Best Non-Owner Car Insurance in Hawaii (2024)

Enter your ZIP code to get started


Free. Simple. Secure.

Updated: May 20, 2024

Advertising & Editorial Disclosure

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.

MoneyGeek Logo IconNon-OwnerCar InsuranceHawaii

Why Trust MoneyGeek? MoneyGeek sourced Hawaii data from Quadrant Information Services and examined customer and claim satisfaction ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).

128Plans Analyzed
4Providers Compared

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:

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.

State FarmCheapest Annual Premium$256Cheapest Monthly Premium$21
GEICOCheapest Annual Premium$312Cheapest Monthly Premium$26
ProgressiveCheapest Annual Premium$681Cheapest Monthly Premium$57
Compare Auto Insurance Rates

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

carInsurance icon

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:

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.

State FarmCheapest Annual Premium$303Cheapest Monthly Premium$25
GEICOCheapest Annual Premium$458Cheapest Monthly Premium$38
ProgressiveCheapest Annual Premium$918Cheapest Monthly Premium$77
carAccident icon

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

Liability insurance

Medical payments

Personal injury protection

Uninsured/underinsured motorist

Rental car liability

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

National Average Cost

Monthly Premium

Hawaii Average Cost

Monthly Premium

On average, non-owner car insurance in Hawaii is:$13 saved

This 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.

MoneyGeek Top Pick
State Farm

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.

Read the full State Farm car insurance review.


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.

Read the full GEICO car insurance review.

Third Place

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.

Read the full Progressive car insurance review.

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?

    carColored icon

    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.

    ignition icon

    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.

    seatbelt icon

    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.

    driverLicense icon

    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.

insurance2 icon

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.

Which company offers the cheapest non-owner car insurance in Hawaii?
Which companies offer non-owner car insurance with the best mix of quality and affordability in Hawaii?
How much does non-owner car insurance cost in Hawaii?

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.