Car Insurance Non-owner car insurance in Hawaii: Which company has the cheapest rates? USAA and Geico offer the lowest non-owner insurance rates in the state. Written by: Leslie Kasperowicz and John McCormick John McCormick John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology. | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Posted on March 13, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. 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 CompanyAverage annual premiumUSAA$148Geico$241State Farm$599Progressive$641 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 AgeRate16$50017$48818$48719$41820$41721$40722$40723$40724$40725$40730$40735$40740$40745$40750$40755$40760$40765$40770$40775$407 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 Cities in HawaiiLowest non-owner car insurance ratesAnahola$335Eleele$335Hanapepe$335Kalaheo$335Kapaa$335Kaumakani$335Kealia$335Kekaha$335Kilauea$335Koloa$335Lihue$335Makaweli$335Princeville$335Wainiha$335Waimea$377Kalaupapa$391Kaunakakai$391Kualapuu$391Lanai City$391Maunaloa$391 The 20 Hawaii cities with the highest non-owner car insurance rates Cities in HawaiiHighest non-owner car insurance ratesCamp H M Smith$428Fort Shafter$428Hickam Housing$428Honolulu$428Joint Base Pearl Harbor-Hickam$428Marine Corps Base Hawaii – Kaneohe Bay$428Schofield Barracks$428Wheeler Army Airfield$428Kunia$426Laie$426Mililani Town$426Pearl City$426Pupukea$426Wahiawa$426Waialua$426Waianae$426Waimalu$426Waimanalo$426Waipahu$426Kailua$422 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 10 Largest cites in Hawaii Non-owner car ratesHonolulu$428Waipahu$426Pearl City$426Kaneohe$426Mililani Town$426Ewa Gentry$426Kailua$422Hilo$418Kahului$413Anahola$335 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 StateAverage annual premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385National Average$380Georgia$373Pennsylvania$337California$323Ohio$230 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: Contact a car insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs 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. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Table of contents How much does non-owner car insurance cost in Hawaii? Which insurer offers the cheapest non-owner insurance rates in Hawaii? How much is non-owner car insurance in Hawaii by age? Which Hawaii cities have the cheapest non-owner car insurance? How much is non-owner auto insurance in Hawaii's 10 biggest cities? How non-owner insurance rates in Hawaii compare to rates in other states How to get non-owner car insurance in Hawaii Get instant quotes now ! Please enter valid zip Get quote