How It Works
Enter your ZIP code and tell us what coverage you are looking for in Hawaii
See what Hawaii requires and compare quotes from licensed carriers
Choose coverage that meets Hawaii requirements and get proof of insurance
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Multi-Car Policy Structure
Two or more vehicles on a single policy, each with its own coverage level. One car can carry full coverage while another carries liability only, and the whole policy earns the multi-car discount.
Liability Insurance Per Vehicle
Every vehicle on a multi-car policy must carry at least your state's minimum liability limits. Bodily-injury and property-damage minimums vary by state; liability-only coverage is the lowest-cost option per vehicle.
Full Coverage Per Vehicle
Liability plus collision and comprehensive on a single vehicle. On a multi-car policy, you choose full coverage or liability-only for each vehicle independently based on loan requirements and vehicle value.
Uninsured Motorist Coverage
Pays for injuries and damage when the at-fault driver has no insurance. Required in 22 states; optional elsewhere. Applies per vehicle on a multi-car policy.
