Cheapest Car Insurance Rates in Lihue HI

Insurance Claims Process After an Accident in Hawaii

If you've recently been involved in an accident in Lihue, understanding the claims process for your insurance company can help you get the compensation you deserve. The first step after any accident is to contact your Hawaii auto insurance provider as soon as possible. They will help guide you through the claims process and answer any questions that arise during this time.

Before filing a claim, it's important to collect information about the incident, such as contact information from all parties involved and any witnesses who may have seen the accident. Additionally, take photos of both vehicles and of the scene if possible. This evidence will be useful when making a claim with your Hawaii auto insurance company.

When communicating with your Lihue auto insurer, make sure to document all conversations, including the date and time of your call. Your Hawaii auto insurer will provide you with a claim number, which should be kept for reference throughout the claims process.

Your Hawaii auto insurance provider may also require you to fill out a Statement of Loss form, which includes information about the accident such as damages caused and any injuries sustained by those involved. This form will help your Hawaii auto insurance company determine how much compensation is owed to you.

The Hawaii auto insurance company may then send an adjuster to assess the damage on both vehicles and take photos if necessary. After they have made their assessment, they will contact you with an offer for settlement. If you disagree with this offer, it's important that you explain the details of your case to your Hawaii auto insurance provider, as they will consider all this information before reaching a final settlement.

Following the claims process, you should receive an official check from your Hawaii auto insurance company within a few days. It's important to note that Hawaii is one of the few states that requires both parties involved in an accident to agree on a settlement amount before payments can be issued by any insurer. This agreement must be made between the two parties or their Hawaii auto insurance companies.

10 Most Expensive Automobiles to Insure in Hawaii

When it comes to Hawaii, car insurance is not cheap. Hawaii has some of the highest auto insurance rates in the nation, due to its remote location and lack of competition among insurers. Living in Hawaii means you'll need to pay more for your car insurance than people living on the mainland. If you're shopping for a new car and want to keep your costs as low as possible, here are the 10 most expensive vehicles to insure in Hawaii:

1. Mercedes-Benz SLS AMG
2. Bentley Mulsanne
3. BMW i8
4. Porsche 911 Turbo S
5. Audi R8 V10 Plus
6. McLaren 570S Coupe
7. Lamborghini Aventador
8. Jaguar XJL
9. Range Rover Sport SVR
10. Ferrari 458 Italia.

When insuring any of these vehicles in Lihue Hawaii, expect to pay a hefty premium for the privilege of having these luxurious cars on the roads of Hawaii's Islands. Be sure to compare rates from multiple insurers before making your decision so you can get the best rate possible for your vehicle. Hawaii is one of the most expensive states when it comes to car insurance, but with careful shopping and comparison, you can find an affordable policy for your dream car.

20 Cheapest Vehicles to Insurance in Hawaii

Hawaii is an expensive place to live, and the cost of car insurance can be daunting. To help Hawaii drivers save money on their premiums, we've put together a list of the 20 cheapest vehicles to insure in Hawaii. From sedans and SUVs to hybrids and electric cars, these choices offer Hawaii drivers reliable coverage that won't break the bank. For added convenience, each model comes with an estimated annual insurance premium to give Hawaii drivers an idea of what they'll pay for protection. So take a look at our list below and see if one of these affordable options fits your budget!

1. Honda Civic (estimated annual insurance premium: $1,323)
2. Toyota Prius (estimated annual insurance premium: $1,341)
3. Hyundai Elantra (estimated annual insurance premium: $1,368)
4. Honda HR-V (estimated annual insurance premium: $1,499)
5. Kia Soul (estimated annual insurance premium: $1,558 )
6. Nissan Rogue (estimated annual insurance premium: $1,620)
7. Subaru Forester (estimated annual insurance premium: $1,678)
8. Toyota RAV4 (estimated annual insurance premium: $1,739)
9. Ford Escape (estimated annual insurance premium:$ 1,794 )
10. Mazda CX-5 (estimated annual insurance premium:$ 1,825)
11. Hyundai Santa Fe (estimated annual insurance premium: $1,844 )
12. Nissan Pathfinder (estimated annual insurance premium:$ 1,902)
13. Chevrolet Equinox (estimated annual insurance premium: $2,018)
14. Kia Sportage (estimated annual insurance premium: $2,027)
15. Honda CR-V (estimated annual insurance premium:$ 2,087 )
16. Toyota Camry Hybrid (estimated annual insurance premium: $2,088 )
17. Ford Fusion Hybrid (estimated annual insurance premium:$ 2,231 )
18. Hyundai Sonata Hybrid (estimated annual insurance premium:$ 2,241)
19. Honda Accord Hybrid (estimated annual insurance premium: $2,319)
20. Nissan Leaf (estimated annual insurance premium: $2,333 )

By choosing one of these 20 vehicles to insure in Hawaii, you can save money on your car insurance and get the protection you need. To find out more about available coverage options in Lihue, contact a local car insurance provider today!

4 Benefits of Adding Someone to Your Insurance Policy in Hawaii

When it comes to buying insurance in Lihue, one of the most common decisions that homeowners and renters need to make is whether or not to add someone else as an additional person on their policy. While this may seem like an insignificant choice, there are actually several key benefits associated with adding someone to your Hawaii insurance policy.

First, having more people on a policy can help spread out risk across multiple individuals. This means that if something happens, such as an injury or illness, you won't be responsible for the entire bill yourself. It also means that multiple people can have access to different types of coverage at once.

Second, some Lihue HI insurance policies offer discounts for adding another person onto the same policy. Depending on the type of policy and how many people are being added, this could mean significant savings over the long run.

Third, adding someone else to your Hawaii insurance policy can be a way to save money while still providing ample coverage. This is especially beneficial if you're looking for ways to protect yourself financially without breaking the bank.

Finally, having multiple people on an insurance policy in Hawaii can help ensure that everyone's needs are met. No matter what type of coverage you require, it's important to make sure that everyone who needs protection has access to it at all times. Adding another person onto your Hawaii insurance policy can help you do just that.

Cost of Car Insurance in 4 Different Age Groups in Hawaii

The cost of car insurance in Hawaii varies depending on a variety of factors, including age. To get an idea of how much car insurance costs in Hawaii for different age groups, we've broken down the average insurance rates by age below.

• Age 25 and Under: The average annual premium for drivers aged 25 and under is $1,633 per year.
• Age 26-30: Drivers aged between 26 and 30 pay an average annual premium rate of $1,363 per year.
• Age 31-40: Drivers aged between 31 and 40 pay an average annual premium rate of $1,234 per year.
• Age 41 and Over: Drivers over the age of 41 pay an average annual premium rate of $1,096 per year.

These figures are based on the average car insurance premiums in Hawaii for a single driver with good credit and no accidents or traffic violations. The actual cost of auto insurance in Lihue may vary significantly, depending on factors such as your driving record, the type and amount of coverage you choose, where you live, and more. Be sure to shop around and compare rates from different insurers to find the best deal for your needs.

4 Driving Violations That Require High Risk Insurance Hawaii

If you have been convicted of certain driving violations in Hawaii, you are now required to carry high risk auto insurance. This type of coverage is more comprehensive than typical car insurance, and it may also be more expensive. Below are four driving violations that require Lihue drivers to purchase high risk insurance.

1. Driving Under the Influence: Hawaii law considers anyone with a blood alcohol concentration (BAC) level of .08% or higher as driving under the influence (DUI). Drivers who cause serious injury or death while operating a vehicle under the influence will face harsher penalties, including jail time and expensive fines. Any Lihue driver convicted of DUI must purchase high risk insurance before being able to legally drive again in Hawaii.
2. Driving Without Insurance: Hawaii law requires drivers to carry valid proof of insurance at all times when operating a motor vehicle. Lihue drivers who are caught driving without current insurance can face serious penalties and will be required to purchase high risk auto insurance before they can legally drive in Hawaii again.
3. Reckless Driving: Hawaii defines reckless driving as operating a motor vehicle with willful or wanton disregard for the safety of persons or property, and it is considered an act of negligence in Hawaii courts. Drivers convicted of reckless driving must purchase high risk auto insurance before being able to legally drive again in Hawaii.
4. Excessive Moving Violations: Hawaii laws consider any driver with five or more moving violations within the past three years as "high risk." These violations can include speeding tickets, running stop signs or red lights, and other traffic offenses. Hawaii drivers with excessive moving violations must purchase high risk auto insurance before they can legally drive again in Hawaii.

High risk auto insurance is typically more expensive than standard coverage, but it provides greater protection to Lihue drivers who have been convicted of certain driving violations. If you are required to purchase this type of coverage, be sure to compare quotes from multiple providers to get the best rate available.

Top 8 Car Insurance Companies by Least to Most Expensive in Hawaii

If you live in Hawaii, you may be wondering which car insurance companies offer the best deals. We've researched and compiled a list of the 8 least to most expensive car insurance providers in Lihue, so you can save time and money on your coverage.

1. Starting off with the least expensive provider is USAA. With an average premium cost of $919 per year, USAA offers some of the lowest rates for drivers in Hawaii. They are also known for their customer service, offering 24/7 support with no extra fees.
2. Another great option is Esurance, whose average annual rate comes in at around $1,033. Esurance allows Lihue drivers to bundle multiple types of policies together and provide a variety of discounts to help save you money.
3. Coming in at number three is Hawaii's own Hawaii State Insurance Company, whose annual rate comes in at around $1,111 per year. Hawaii State offers additional coverage options like rental car reimbursement that many other companies don't provide, making them a great choice for Hawaii drivers.
4. Fourth on our list is Progressive with an average yearly rate of $1,154. Not only does Progressive make it easy to get a quote online but they also offer 12 months of coverage starting from the day your policy begins.
5. Next up is Allstate with an average cost of $1,193 per year. Allstate stands out from the competition with their accident forgiveness policy and their new car replacement coverage.
6. Sixth is MetLife, with an average annual rate of $1,856. Lihue drivers can save money on MetLife's policies by choosing to pay their premium in full instead of monthly payments.
7. Geico ranks seventh with an average yearly cost of $2,170. Geico offers Hawaii drivers the convenience of filing a claim 24/7 over the phone or online and also provides multiple discounts that can help make your policy more affordable.
8. And finally at number eight is Liberty Mutual with an average yearly cost of $2,461 per year. Hawaii residents will appreciate Liberty Mutual's flexible payment options and accident forgiveness policy that helps keep rates low for those who have a history of minor accidents.

Remember to shop around and compare rates to find the best car insurance for your Lihue Hawaii lifestyle. That way you'll be sure to get the most coverage at the lowest cost. 

4 Different Auto Insurance Discounts in Hawaii

Residents of Hawaii have access to a variety of car insurance discounts that can help lower the cost of their premiums. Hawaii is home to some of the most beautiful scenery in the world, and with so much natural beauty comes plenty of opportunities for auto insurance savings. Here are four different auto insurance discounts available in Lihue Hawaii:

1. Safe Driver Discounts - Lihue drivers who maintain a clean driving record could be rewarded with safe driver discounts up to 25%. This discount often applies after three years without any moving violations or at-fault accidents on their record, but some insurers may start offering it as soon as two years.
2. Good Student Discounts - Lihue teenagers who maintain good grades in school may be eligible for a good student discount. Most Hawaii insurers offer this discount to any driver under the age of 25 with a GPA of 3.0 or higher.
3. Multiple Policy Discounts - Lihue residents who bundle their auto insurance coverage with other policies such as homeowners, renters, or life insurance can qualify for multiple policy discounts of up to 15%. This is often the most cost-effective way for Hawaii drivers to save on car insurance.
4. Low Mileage Discounts - Hawaii drivers who limit their annual mileage could also be eligible for low mileage discounts of up to 10%. These discounts are available to anyone who drives less than 7,500 miles per year and are especially beneficial for Lihue commuters who primarily rely on public transportation or carpooling to get around.

By taking advantage of these Lihue auto insurance discounts, Hawaii drivers can save money on their car insurance premiums while still getting the coverage they need. Hawaii is home to some of the most beautiful scenery in the world, and it pays to be a safe driver when you're enjoying all of its natural beauty. So take time to research your options and find out how much you could save in Hawaii.

Auto Theft Statistics in Hawaii

Auto theft is a serious problem in Hawaii, with the FBI Crime Data revealing that Hawaii had the second-highest rate of motor vehicle theft in 2018. Hawaii had an average of 389 reported auto thefts per 100,000 people that year, far above the national average of 236 incidents per 100,000 people. This means that Hawaii had 1,574 total reported auto thefts in 2018 alone—a troubling statistic for drivers in Hawaii.

In addition to having higher rates of auto theft than other states across the U.S., Hawaii also has some of the highest insurance premiums related to these types of crimes. It's important for drivers in Lihue to take preventive measures against auto theft and keep their vehicles as safe as possible. Some steps Hawaii drivers can take include installing anti-theft devices and keeping their vehicles locked at all times. Hawaii residents should also be aware of potentially fraudulent activities related to auto theft, such as car cloning, where criminals steal a car's identity and use it to create duplicate vehicles. By staying informed, Hawaii drivers can protect themselves from becoming victims of auto theft.

The Hawaii Department of Transportation has taken several steps in recent years to combat auto theft in the state, including introducing harsher penalties for offenders and launching public education campaigns about how to prevent auto theft. Hawaii law enforcement is also working with other states and federal agencies in the region to reduce regional motor vehicle theft rates. While these efforts are still underway, Hawaii residents can help by taking the proper precautions and remaining vigilant against auto theft.

Car Insurance by Marital Status in Hawaii

In Lihue, car insurance rates vary based on a variety of factors, including the driver's marital status. If you are married and living in Hawaii, it is likely that you can save money on car insurance by taking advantage of certain discounts available to married couples.

For example, many Hawaii car insurers offer multi-car policies for those who have more than one vehicle insured under their name. By bundling multiple vehicles together into a single policy, couples may be able to save up to 25% on their overall premiums compared to traditional single-car policies.

Many Lihue HI insurers also offer special discounts for drivers who are members of AAA or AARP as well as loyalty discounts for long-time customers. These discounts can help married couples save even more on their Hawaii car insurance premiums.

Car Insurance by Gender in Hawaii

In Hawaii, male drivers are typically charged higher rates than female drivers. This is because, statistically speaking, men tend to drive more aggressively than women and are more likely to be involved in traffic accidents or other incidents that lead to expensive claims for their insurer. Men also tend to have less experience behind the wheel than female drivers and thus may be seen as bigger risks by insurers.

These gender-based discrepancies in Hawaii may not be significant for all drivers, but it's something to keep in mind when you're shopping around for car insurance. To make sure you get the best rate possible, compare quotes from multiple insurers and consider how your gender may factor into the rates they offer. Doing so could save you money and help keep your Hawaii auto insurance costs as low as possible.

It's important to remember that Hawaii is a no-fault state, which means that each driver is responsible for their own medical bills or damages to their vehicles regardless of who caused the accident. With this in mind, make sure your Lihue car insurance policy has adequate coverage levels to protect yourself financially if you're ever involved in a car accident.

15 Interesting Driving Statistics in Hawaii

1. Hawaii has the lowest rate of fatal car crashes nationwide, with only 8 deaths per 1 million people in 2019.
2. Hawaii is also ranked as one of the safest states for drivers, receiving an overall grade of A- from WalletHub's “2020 Best and Worst States to Drive In” report.
3. Hawaii has the highest number of registered vehicles per capita out of all 50 US states, at 615 vehicles per 1000 people in 2020.
4. Hawaii has some of the most expensive gas prices in the nation, with an average price of $3.46 per gallon in 2021 according to AAA's Daily Fuel Gauge Report.
5. Hawaii has a strict no-texting-while-driving law, with a fine of up to $200 for violators.
6. Hawaii has the highest percentage of road maintenance costs funded by federal dollars in the nation, at nearly 30% in 2020.
7. Hawaii also has the lowest open container violation rate in the country, with only 0.2 violations per 100 million miles traveled compared to 1.3 national average in 2019 according to NHTSA's Traffic Safety Facts report.
8. Hawaii has an incredibly high seat belt usage rate at 97%, with a mandatory safety belt law that applies to all drivers and passengers over age 16 according to Hawaii Department of Transportation's Annual Report on Motor Vehicle Statistics & Trends (2019).
9. Hawaii has the lowest percentage of alcohol-impaired driving deaths at 19% in 2019, compared to a national average of 29%.
10. Hawaii had the highest rate of motorcycle fatalities nationwide in 2019, with 14 deaths per 100 million miles traveled according to NHTSA's Traffic Safety Facts report.
11. Hawaii drivers spend an average of 15 minutes commuting each way, which is slightly higher than the national average of 14 minutes according to US Census Bureau's American Community Survey 2018 estimates.
12. Hawaii has some of the highest auto insurance premiums in the nation, with an average rate of $1,386 per year in 2021.
13. Hawaii has the highest percentage of traffic fatalities occurring in rural areas at 56% compared to a national average of 44%.
14. Hawaii has one of the lowest rates of distracted driving deaths nationwide, with only 0.7 deaths per 100 million miles traveled in 2019 according to NHTSA's Traffic Safety Facts report.
15. Hawaii had the highest rate of vehicle occupant fatalities due to improper or no seat belt use at 20% in 2019, compared to a national average of 13%. These statistics demonstrate the need for greater enforcement and adherence to Hawaii's seatbelt law.

FAQ Section

⭐ What is the average car insurance rate in Lihue Hawaii?

The average rate for Lihue is $1,150. Look for discounts to make this even more affordable.

⭐ What is the minimum coverage required in Lihue HI?

In Lihue Hawaii, your policy must have at least $20,000 of coverage for injuries per person, up to a total of $40,000 per accident, and $10,000 of coverage for property damage.

⭐ How much is car insurance typically for 2 vehicles in Lihue HI?

Average cost for two vehicles in Lihue is $2,967. This can of course vary greatly with liability only, full coverage, or SR-22 insurance.

⭐ How can I get cheap car insurance in Lihue HI?

To get low cost car insurance in Lihue, HI, simply fill out the form above and compare quotes then pick the best one.

Last Updated: 03/04/2023