Car Insurance in Mililani Mauka, HI

Vehicle owners in Mililani Mauka are required to carry car insurance. A good auto insurance policy can shield you from significant financial loss, whether you are involved in a fender-bender on Ukuwai Street or a multi-vehicle collision on the Veterans Memorial Freeway.

Finding the right car insurance policy is easy when working with a local independent agent. These agents can help you obtain and compare customized car insurance quotes from some of the area's best insurance companies. Contact an independent insurance agent in Mililani Mauka to get started.

How Much Does Car Insurance Cost in Mililani Mauka, HI?

The average cost of car insurance in Hawaii is lower than the national average. Rates in Mililani Mauka tend to be higher than the state average but still lower than the national.

• National average annual car insurance cost: $1,311
• Hawaii's average annual car insurance cost: $1,114
• Mililani Mauka's average annual car insurance cost: $1,233 

An average can only give you a ballpark idea of how much you might be expected to pay. Rates can vary significantly from one driver to the next because they are based on several factors such as:

• The make, model, year, and value of the vehicle(s) you are insuring
• Your age, occupation, gender, marital status, and driving record
• Information about the other licensed drivers in your household
• Your claims history and credit score
• The accident and auto theft rate in the vicinity of your home
• The amount of liability coverage you are purchasing
• Which, if any, coverage options you include in your policy

You can often earn significant rate reductions if you have a safe driving record, are a student with good grades, or are bundling your car insurance with another policy like home insurance or renters insurance. Ask about these and other potential car insurance discounts when requesting car insurance quotes.

Because every insurance company uses its method to calculate your premiums, you are likely to be quoted a different price by every insurer you contact for a quote.

Comparison shopping can save you hundreds of dollars a year because it enables you to choose the policy that offers the coverage you want at the most affordable price. Independent insurance agents make comparison shopping easy.

Is Car Insurance Required in Mililani Mauka, Hawaii?

Yes. In Hawaii, it is illegal to drive a car that is not insured. If caught, you can face several consequences, including:

• Fines ranging from $100 to $5,000, or 75 to 275 hours of community service
• The suspension of your driver's license until you can provide proof of insurance coverage
• Up to 30 days in jail and impoundment of your vehicle if you are a repeat offender
• The requirement to maintain an SR-22 for at least three years
• Higher car insurance rates

Additionally, if you are at fault for a collision while driving an uninsured vehicle, you are responsible for paying for property damage and injuries out of pocket.

What Are the Minimum Car Insurance Requirements for Drivers in Mililani Mauka, HI?

Hawaii is a no-fault state. If you or your passengers are injured in a collision, your insurance will provide the first line of coverage for your injuries, regardless of who was at fault.

In Hawaii, all car insurance policies are required by law to include the following:

• Personal injury protection insurance (PIP):  This covers medical treatment, lost wages, death benefits, and other related costs if you or your passengers are injured in a collision, regardless of fault. Your policy must include a minimum of $10,000 worth of PIP coverage.
• Liability insurance: This can cover other people's property damage and any medical bills and lost wages that go beyond what their PIP coverage can pay for if you are at fault for a collision. Your policy must include, at a minimum:
  • Bodily injury liability insurance per person: $20,000
  • Bodily injury liability insurance per accident: $40,000
  • Property damage liability insurance per accident: $10,000

Additionally, some drivers in Mililani Mauka are required to have physical damage coverage. This coverage is not required by law but is typically required by lenders if you are still paying for your car and by dealerships if you are leasing it. Physical damage coverage includes:

• Collision coverage: This covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
• Comprehensive coverage: This covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.

Once you own your vehicle outright, collision and comprehensive coverages are optional.

What Else Does Mililani Mauka Car Insurance Cover?

In addition to the mandatory coverage mentioned above, you can expect your insurance provider to offer several coverage options, some of which you may want to include in your car insurance policy. These may include:

• Uninsured motorist insurance: This can cover medical bills for you and your passengers if you are injured in a collision caused by an uninsured driver.
• Towing and roadside assistance: This can cover the associated costs if your car breaks down and you need to call for help.
• Gap insurance: This can cover the gap between your car's value and what you still owe for it if it is totaled in a covered event. It is often a good idea during the first year or two of new car ownership.
• Rental car reimbursement: This can cover the cost of renting a vehicle while your car is being repaired following a covered event.
• Umbrella insurance: This is a separate policy that your car insurance provider may offer. It is an affordable way to significantly boost all of your personal liability coverage beyond the coverage limits of your primary policies.

Be sure to consider your own needs and those of the members of your household when you are deciding which, if any, options are a good fit for you.

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Is the Uninsured Driver Rate High in Hawaii State?

Despite it being illegal, around one in ten drivers in Hawaii are operating an uninsured vehicle.

• Percentage of US drivers who are uninsured: 12.6%
• Percentage of Hawaii drivers who are uninsured: 10.6%

If you are in an accident caused by an uninsured driver, that person is responsible for covering your injuries and property damage. Unfortunately, collecting these funds can sometimes be a challenge.

That is why many vehicle owners in Mililani Mauka opt to include uninsured motorist insurance in their car insurance policies. When you have this coverage, your insurance company will compensate you for your losses and will then go after the uninsured driver to collect what they owe.

How High Is the Auto Theft Rate in Mililani Mauka, HI?

The average auto theft rate in Hawaii is much higher than the national average. 

• National auto theft rate per 1,000 people: 2.29
• Hawaii auto theft rate per 1,000 people: 3.98

As a vehicle owner in Mililani Mauka, you should be aware that you can only be compensated for a stolen vehicle if your car insurance includes comprehensive (or "other than collision") coverage.

If you are financing or leasing your car, chances are good you have this coverage already. If not, you may want to ask how much it would cost to add comprehensive coverage to your auto insurance policy.

What Are the Best Car Insurance Companies in Mililani Mauka, HI?

The best car insurance companies in Hawaii are the ones that consistently deliver excellent coverage, responsive customer service, and competitive rates.

Independent agents in Mililani Mauka have teamed up with an assortment of highly rated insurance companies, so they can provide you with a selection of policies and quotes from insurers you can trust.

How Can an Independent Agent in Mililani Mauka, HI Help Me Find the Best Car Insurance?

When you are looking for the best and most affordable car insurance policy, a local independent agent can help. These agents work for you, not for a specific insurance company. This enables them to shop around to find the coverage you want at the lowest available price.

It doesn't cost anything to work with an independent agent. Contact an independent insurance agent near you to get answers to your coverage-related questions and start comparing customized car insurance quotes.