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

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Non-owner car insurance in Hawaii costs $407 annually, which is $54 more than the U.S. average, according to an Insure.com 2023 rate analysis.

In Hawaii, non-owner policies are available from companies such as State Farm and Progressive.

“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.

Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Hawaii.

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

Non-owner insurance is usually less expensive than full coverage car insurance—insurers consider non-owner policyholders as less risky because they have limited access to a car.

On average in the U.S., it costs drivers with clean driving records and good credit scores $1,682 annually 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 any damages to property. In Hawaii, full coverage car insurance costs $1,306.

On the other hand, non-owner car insurance is $353 a year on average in the United States and $407 in Hawaii.

But actual rates are based on your age and driving history and also where in Hawaii you live.

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

In Hawaii, USAA’s non-owner insurance policy is the cheapest at $148 a year.

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

The best way to find the lowest price is to compare quotes from several different insurers. We have listed Hawaii’s most affordable non-owner insurance policies below.

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 is an important factor when it comes to pricing. Statistically, young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. In Hawaii, a 45-year-old will pay an average of $407 annually for a non-owner insurance policy versus a 16-year-old driver who will pay an average of $500.

Average non-owner auto insurance rates in Hawaii by age

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

Rates differ from city to city. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates.

The tables below display 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 car insurance in Hawaii’s 10 biggest cities?

The largest cities in Hawaii have different non-owner insurance rates. The cost of non-owner insurance in Honolulu is the most expensive at $428. Anahola, Eleele, Hanapepe, Kalaheo and Kapaa have the least expensive prices of the state’s largest cities 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

Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Hawaii is $407 a year, which is more than the national average of $353. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 a year and Iowa at $193 a year.

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

How to get non-ownercar insurance in Hawaii

Getting a non-owner insurance policy is as simple as providing your driver’s license and a credit or debit card.

To purchase a policy, follow these steps:

1. Contact an auto 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 car insurance policy quote, you must call your insurer instead of visiting its website.

“You must pick up the phone to request a non-owner insurance quote. Although the majority of the major auto insurance providers provide non-owner policies, none of them provide online non-owner insurance estimates,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.

Below are some insurance companies 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.

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Average homeowners insurance cost in Hawaii

Leslie Kasperowicz

Managing Editor

 

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com.