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

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.

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.

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.

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.

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.

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.

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.

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.

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.