Non-owner car insurance in Hawaii: Which company has the cheapest rates?

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Non-owner auto insurance in Hawaii is $407 annually, according to Insure.com’s 2023 rate analysis, which is $27 more than the rest of the nation on average.

In Hawaii, these policies are available from companies such as State Farm and Progressive, in addition to many others.

Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

In addition to understanding the various requirements, it’s important to learn what non-owner insurance is, which companies offer it and how much it costs in Hawaii.

How much does non-owner car insurance cost in Hawaii?

Non-owner insurance is usually less expensive than regular auto insurance—insurers regard non-owner policyholders as less of a risk because they have limited access to a vehicle.

On average in the U.S., it’s $1,682 a year for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage—for drivers with a clean driving record and good credit score. It is $1,306 in Hawaii.

On the other hand, non-owner auto insurance costs $380 on average in the United States and $407 in Hawaii.

But individual rates vary depending on several factors, such as where in Hawaii you live, which insurer you purchase your policy from as well as your age and driving history.

Which insurer offers the cheapest non-owner insurance rates in Hawaii?

Hawaii’s least expensive non-owner insurance policy is offered by USAA at $148 a year.

At $641, Progressive charges the highest rate for non-owner insurance in the state.

A good rule of thumb is to compare quotes from many different insurance companies to identify the best price. Below you’ll find a list of the cheapest non-owner policies that are offered in Hawaii

Cheapest non-owner insurance rates in Hawaii

Note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Hawaii by age?

Age plays an important role in pricing because young people who haven’t been driving for a long time are riskier; they are more likely to cause an accident. Therefore, older and more experienced drivers usually enjoy less expensive rates. On average, non-owner insurance costs $500 a year for a 16-year-old and $407 for a 45-year-old in Hawaii.

Average non-owner auto insurance rates in Hawaii by age 

Which Hawaii cities have the cheapest non-owner car insurance?

There’s a great deal of variation from city to city when it comes to rates. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism in an area.

Below are charts displaying the cities in Hawaii that have the least and most expensive non-owner auto insurance rates.

The 20 Hawaii cities with the lowest non-owner auto insurance rates

The 20 Hawaii cities with the highest non-owner car insurance rates

How much is non-owner auto insurance in Hawaii’s 10 biggest cities?

The most populous cities in Hawaii sometimes have significantly different non-owner insurance rates. The non-owner insurance cost in Honolulu is the most expensive at $428. Anahola has the least expensive rates among the largest cities in the state at $335.

Non-owner auto rates in Hawaii’s 10 largest cities

How non-owner insurance rates in Hawaii compare to rates in other states

From state to state, the rates for non-owner auto insurance can also vary. Hawaii’s average non-owner insurance rate is $407; more than the $380 average nationally. At $170 per year, South Dakota is the least expensive, followed by Idaho at an average of $190 per year. After that it’s Iowa at $193 annually.

Non-owner auto insurance rates in the 10 most populous states

How to get non-owner car insurance in Hawaii

Your driver’s license number and a credit or debit card are all you need to get a non-owner insurance policy.

To purchase a policy, follow these steps:

1. Contact a car insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. Put down a payment to begin coverage

Often, you’ll receive proof of insurance very quickly.

For a non-owner auto insurance policy, you’ll have to call an insurance company rather than go online for a quote.

“Before you buy, phone several insurers and request free car insurance quotes to make sure you pay the lowest price,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.

Below are a few insurers with their contact numbers to call for a non-owner insurance quote.

• State Farm: 800-782-8332
• Geico: 800-207-7847
• Progressive: 888-671-4405
• Allstate: 800-726-6033.
• USAA: 800-531-8722

Methodology

Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.