Car Insurance
Oahu and Neighbor Islands
Speak with an agent Monday to Friday, 8am – 4:30pm
Protect what matters most with auto insurance policies created specifically for Hawaii drivers. Whether you’re on Oahu, the Big Island, Kauai, Maui, Lanai or Molokai, Island can help you find the combination of protection and value that’s right for you and your budget.
Our experienced local claims staff is held to the highest service standards and claims service is readily accessible online or via phone. Auto repairs are available by Island Certified℠ shops on Oahu, Big Island (Hilo and Kona), Maui and Kauai.
Flexible and convenient installment plans fit any budget and you can pay your car insurance premium online or by phone via debit or credit card.
Island offers auto policies ranging from maximum affordability to maximum peace of mind. Add an Island property policy to unlock additional savings with our Island Package Bundle – It’s the best value!
You’ll be well protected with an Island Auto Policy, which features a wide variety of coverages and limits that can be tailored to your preferences. Whatever level of protection fits you best, from minimum requirements to maximum peace of mind, Island has an auto policy that’s just right for you.
It’s important that your homeowners insurance policy has the right coverages to protect you, your home and your valuables.
Bundling truly is better! When you combine your Island auto insurance with a companion home, condo or renters policy, you unlock another level of savings with the Island Package Bundle. More protection. More convenience. More value.
Discounts
We all want to save money where we can, and car insurance is no exception. With an Island auto policy, you get our commitment to providing exceptional value with stellar protection at a great price. Island’s auto insurance discounts help you save on your Hawaii auto policy premiums, in all the ways that count.
Prior Insurance Discount
Group Discount
Multi-Car Discount
Air Bag Discount
Island Package Bundle
Renewal Credit or Special Customer Credit
Hybrid Vehicle Discount
Anti-Theft System Discount
Anti-Lock Brake System Discount
At-Fault Accident Free Discount with Built-In Accident Forgiveness
Benefits
Island auto policyholders with collision and other than collision coverages get the following benefits included with their auto policies, at no additional charge:
Check out our Benefits & Discounts page for more on the savings and value available to Island auto policyholders.
Hawaii State law requires that vehicles be insured throughout the motor vehicle registration period and that drivers carry valid proof of auto insurance (motor vehicle insurance ID card) while driving. Not meeting these requirements may result in fines and/or jail time.
All Hawaii drivers are required to maintain at least the minimum amount of car insurance coverage below:
These minimum limits are required throughout the registration period of the vehicle.
To learn more about car insurance coverage, click here.
For more protection, drivers can increase coverage limits and opt for additional auto coverages like Collision, Other Than Collision, etc.
To learn more about car insurance coverage, click here.
Factors that could affect your auto premium:
The penalties for driving without Hawaii car insurance may include fines starting at $500, suspension of your driver’s license, surrender of your vehicle’s registration certificate and license plates, and possible imprisonment.
For more information about car insurance in Hawaii, click here.
Some restrictions, terms and conditions apply. The descriptions above contain general summaries of available insurance coverages and are not a statement of contract. All insurance coverages are subject to policy provisions, limitations and exclusions that can only be expressed in the policy itself. For more information on Hawaii insurance coverages, please contact your insurance agent.