Best Car Insurance After an Accident in Hawaii (Top 10 Companies Ranked for 2025)

State Farm, Amica, and Allstate offer the best car insurance after an accident in Hawaii. Hawaii car insurance rates start at $28 per month. State Farm’s many discounts can significantly reduce premiums. Amica has fantastic customer service, and Allstate’s numerous add-ons can help you get the best car insurance for Hawaii drivers.

Our Top 10 Company Picks: Best Car Insurance After an Accident in Hawaii

Auto insurance is necessary for any driver, and it becomes even more crucial after an accident. Hawaii’s winding roads and weather conditions make driving more risky and accidents more likely. By being careful on the road, you can easily prevent this from happening, but the expected can happen.

For situations you cannot cover, finding the best auto insurance in Hawaii is needed, and the best way to do that is to use our comparison tool above to compare car insurance quotes.

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#1 – State Farm: Our Top Pick

Pros

• Discounts & Safe Driver Programs: The Drive Safe & Save with safe driving habits around Hawaii can give some savings on the renewal of your premiums.
• Accident Forgiveness: If you’ve been accident-free for a certain period in Hawaii, you might qualify for accident forgiveness, which prevents your rates from increasing after your first at-fault accident.
• Strong Local Presence: State Farm has plenty of agents across Hawaii. Learn more about their presence in our State Farm insurance review.

Cons

• Coverage Limitations: Hawaii is a no-fault state, meaning PIP coverage will pay for medical expenses, but you may be limited to suing the at-fault driver.
• May Drop High-Risk Drivers: Your policy in Hawaii may not be renewed if you are considered high-risk.

#2 – Amica: Best for Customer Service

Pros

• High Customer Satisfaction & Claims Service: Amica is highly rated for its customer service and claims handling in Hawaii, particularly for its responsiveness and attention to detail during claims processing.
• Personalized Claims Handling: After an accident in Hawaii, a claims representative can help guide you through the process. Check out the Amica insurance review to learn more.
• Optional Accident Forgiveness: In some cases, accident forgiveness may be offered, saving money after a single at-fault accident in Hawaii.

Cons

• Premium Increases Post-Accident: Like many insurers, if you’re found at fault, there will be an increase in your premiums, even with a good claims service.
• Coverage Nuances in Hawaii’s Market: Hawaii’s no-fault state regulations limit certain benefits with your coverage.

#3 – Allstate: Best for Add-on Coverage

Pros

• Accident Forgiveness Options:  You can expect the same insurance rates after your first accident in Hawaii.
• Various Coverage Options: Hawaii’s no-fault requirements are covered by the optional coverage and add-ons available.
• Discounts: Allstate offers discounts for safe driving and bundling multiple policies, such as home and car insurance.

Cons

• Potential Premium Increases: Even with accident forgiveness, you may face significant premium hikes if you’re deemed at fault or if multiple claims occur.
• Higher Premiums in Competitive Markets: Rates can be higher than those of the local insurance companies in Hawaii. Read our Allstate auto insurance review to learn more about their premiums.

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#4 – Farmers: Best for Local Agents

Pros

• Local Agent Support: Farmers have local independent agents in Hawaii for better, more personalized service when needed.
• Flexible Coverage Options: Farmers offer a range of coverage choices and can create a policy to meet the driver’s needs in Hawaii. Check out this Farmers insurance review to see their coverage options.
• Financial Stability & Established Reputation: Farmers’ strong financial backing means they can claim even the most expensive accidents.

Cons

• Different Agent Experiences: Since service quality is dependent on local agents, the service provided can vary from one agent to another.
• Policy Complexity: Navigating Farmers’ optional coverages and endorsements can be challenging due to Hawaii’s no-fault conditions.

#5 – AAA: Best for Online Apps

Pros

• Digital Tools & Mobile App: The mobile app can help you file claims or track repairs after an accident, no matter where you are in Hawaii.
• Excellent Roadside Assistance: AAA’s roadside assistance is one of the best in the country, so it’s good to have it after an accident in Hawaii.
• Strong Claims Support: AAA has a solid reputation for handling claims throughout Hawaii. To learn more about their reputation, read our AAA insurance review.

Cons

• Limited Coverage Options in Some Areas: AAA’s coverage in Hawaii might not be customizable compared to other insurers and in other states.
• Accident Forgiveness Eligibility: Accident forgiveness has specific requirements for drivers in Hawaii, so it won’t be available for everyone.

#6 – American Family: Best for Student Savings

Pros

• Customer Service Reputation: Amfam’s efficient claims handling and quality customer service are great for Hawaii drivers post-accident. Check out the American Family insurance review to learn more.
• Easy-to-Use Digital Tools: The user-friendly apps make it easy to file quick claims and track your repairs around Hawaii.
• Discounts & Benefits: AmFam also offers various discounts, such as safe driver or student discounts, which can lower your overall premiums.

Cons

• Potential for Premium Increases: Like many insurers, if you’re found at fault in an accident, you may face a significant premium hike, even with accident forgiveness.
• Regional Service Variability: American Family’s local network in Hawaii is limited; you might not receive the same in-person support as insurers with a larger regional presence.

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#7 – Progressive: Best for Innovative Programs

Pros

• Efficient Digital Claims Process: Progressive’s online and mobile apps make it easier to file claims, reducing your stress after an accident in Hawaii.
• Competitive Rates & Discounts: Progressive’s competitive pricing, plus the various discounts from their Snapshot program, can help lower costs over time.
• Broad Coverage Options: They offer a range of coverages that can benefit you after an accident in Hawaii, such as rental reimbursement and roadside assistance.

Cons

• Variable Customer Service Experiences: Some policyholders have noted inconsistent customer service whenever an issue arises. Read the Progressive auto insurance review to learn more.
• Coverage Nuances: Hawaii’s environment means that some of the coverage options or add-ons might not perfectly align with local market needs or expectations.

#8 – Geico: Best for Custom Plans

Pros

• Competitive Rates & Discounts: Geico is known for its cheap pricing and discounts compared to other Hawaii insurers. Learn more about their rates and discounts in our Geico auto insurance review.
• Efficient Claims Processing: Many policyholders report quick and smooth claims handling, helping you return to the Hawaiian roads sooner after an accident.
• Nationwide Financial Strength: As one of the largest insurers in the country, Geico’s financial stability can provide peace of mind and allow it to cover claims reliably.

Cons

• Limited Local Agent Presence: Geico primarily operates online, meaning it has fewer local agents, which is a large drawback for face-to-face assistance.
• Potential Premium Increases: Like many insurers, if you’re found at fault in an accident, you can expect your rates to rise, and Geico does not generally offer accident forgiveness as a standard feature.

#9 – USAA: Best for Military Families

Pros

• Strong Financial Stability: USAA’s A++ rating shows that claims are fully paid out properly and promptly when you need it, no matter how complicated the accident in Hawaii can be.
• Accident Forgiveness Options: USAA’s accident forgiveness can stop your premiums hike after your first at-fault accident in Hawaii. Check out USAA’s review to learn more.
• Competitive Pricing & Discounts: Military members and their families have exclusive discounts and premiums that are lower than average, even after an accident.

Cons

• Eligibility Restrictions: USAA’s benefits are only available to military members, veterans, and their families, which severely restricts customers who are shopping for cheaper premiums.
• Coverage Limitations Specific to Hawaii: While USAA offers car insurance in Hawaii, some optional coverages are unavailable. It’s best to speak to an agent to determine the available coverages.

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#10 – Liberty Mutual: Best for Customizable Policies

Pros

• Customizable Coverage: Liberty Mutual is one of the best for customizing policies, and it offers plenty of add-ons.
• Digital Tools & Mobile App: Their simple-to-use website and mobile app make filing a claim easy. This is useful if you need to manage repairs and paperwork after an accident in Hawaii.
• Discounts & Multi-Policy Savings: Liberty Mutual’s various discounts can lower your policy costs in Hawaii. Check out which discounts are available in our Liberty Mutual auto insurance review.

Cons

• Potential for Premium Increases: After multiple claims or being found at fault in an accident in Hawaii, drivers should expect a significant premium hike.
• Variable Local Agent Availability: The local Hawaiian agent network may not be as extensive as some other insurers’, which limits face-to-face expertise in complicated claims.

Understanding Car Insurance in Hawaii

Before we delve into the specific details of car insurance in Hawaii, it’s important to understand the basics. The insurance is a contract between you and the Hawaii insurance companies that will provide you with financial protection in case of an accident or other damages. Insurance companies use several factors or considerations to evaluate drivers as being low or high-risk, which determines their premium costs.

Car Insurance Monthly Rates After an Accident in Hawaii by Provider & Coverage Level

In exchange for paying premiums, the insurance company will cover the costs associated with repairs, medical bills, and even legal expenses, depending on the policy. When it comes to car insurance, there are several key terms to know:

• Premium: This is the amount of money you pay annually or monthly to maintain your car insurance coverage.
• Deductible: This refers to the amount of money you must pay out of pocket before your insurance coverage kicks in. For example, if you have a $500 deductible and file a claim for $2,000 worth of damages, you will be responsible for paying the first $500, and your insurance company will cover the remaining $1,500.
• Policy: A policy is a contract that outlines the terms and conditions of your car insurance coverage. It typically includes details such as coverage limits, deductibles, and exclusions.

Now that you have the basics, you can investigate Hawaii car insurance quotes with our comparison tool below to get an idea of how much you can potentially save on your car insurance.

Hawaii’s Car Insurance Laws

Hawaii is known for its idyllic scenery and laid-back lifestyle, but Hawaii’s car insurance requirements and regulations are unique compared to most states. Hawaii operates under a no-fault insurance system.

Hawaii’s no-fault auto insurance requirement means each driver’s insurance company is responsible for covering their own insured’s medical expenses and other losses, regardless of who was at fault in an accident. This system aims to streamline the claims process and ensure that injured parties receive prompt and fair compensation.

In addition to the no-fault system, Hawaii requires all drivers to carry minimum liability coverage. As of 2021, drivers must have at least $20,000 in bodily injury liability coverage per person, $40,000 in bodily injury liability coverage per accident, and $10,000 in property damage liability coverage.

Hawaii’s no-fault insurance system protects drivers and passengers and reduces the time and costs associated with determining fault in accidents. This allows injured parties to receive the necessary medical treatment and compensation without delay, promoting a smoother recovery process.

The minimum liability coverage requirements in Hawaii ensure that drivers have a certain level of financial protection if they cause an accident resulting in bodily injury or property damage. This requirement helps safeguard the well-being and financial security of individuals involved in car accidents, as it ensures that a source of compensation is available to cover medical expenses and property repairs.

Drivers in Hawaii need to understand these unique insurance laws and comply with the minimum coverage requirements. Failure to do so can result in penalties, such as fines and license suspension. By maintaining the appropriate car insurance coverage, drivers can have peace of mind, knowing that they are protected in the event of an accident or other damages.

The Impact of Accidents on Car Insurance Rates

Accidents are unfortunate events that can significantly impact your car insurance rates. When you are involved in an accident, your insurance company may consider you to be a higher risk, resulting in higher premiums. This is due to the increased likelihood that you may file another claim in the future.

Accidents can also affect your insurance rates, depending on the type of accident and the severity of the damages. Insurance companies consider various factors, such as the cost of repairs, medical expenses, and the overall impact on the vehicles involved. For instance, minor accidents may result in smaller rate increases compared to more serious accidents involving injuries and significant property damage.

Moreover, the frequency of accidents can also influence your insurance rates. If you have been involved in multiple accidents within a certain period, regardless of fault, insurance companies may view you as a higher risk and adjust your premiums accordingly. This emphasizes the importance of safe driving practices and maintaining a clean driving record.

The Role of At-Fault and No-Fault Accidents

In Hawaii’s no-fault insurance system, fault generally does not impact individual drivers’ insurance rates. However, if you are found to be at fault for an accident, and your insurance company is responsible for covering the damages, you may experience an increase in rates.

It’s important to promptly report accidents to your insurance company, even if you are not at fault. This allows your insurance provider to gather the necessary information and determine the appropriate course of action. Failure to report an accident can result in policy cancellation or other penalties.

Additionally, insurance companies often consider the accident’s circumstances when determining the impact on your rates. Factors such as weather conditions, road infrastructure, and other drivers involved may be considered. This helps insurers assess the overall risk and assign appropriate premiums.

The length of time since your last accident can also influence your insurance rates. If you have been accident-free for a significant period, some insurance companies offer discounts or incentives to reward your safe driving habits. This can help offset the potential rate increase caused by a recent accident.

Accidents can substantially impact car insurance rates. The severity and type of accident, fault determination, reporting practices, and overall driving history are all factors that insurance companies consider when adjusting premiums. By practicing safe driving habits, promptly reporting accidents, and maintaining a clean driving record, you can help mitigate the potential negative effects of accidents on your insurance rates.

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Evaluating Car Insurance Providers in Hawaii

When it comes to choosing the best car insurance provider after an accident in Hawaii, there are several important factors to consider. Making an informed decision can help ensure you have the right coverage and support in an accident.

Factors to Consider When Choosing an Insurance Provider

First and foremost, it is crucial to evaluate the financial stability and reputation of the insurance company. A financially stable insurer is more likely to fulfill its financial obligations when it comes to settling claims. To determine the financial stability of an insurance company, you can look for high ratings from independent rating agencies such as A.M. Best, Standard & Poor’s, and Moody’s.

Another factor to consider is the company’s customer service and claims process. Dealing with a responsive and efficient insurance provider can significantly improve your overall experience. Look for companies that have a reputation for excellent customer service and a streamlined claims process. This way, you can have peace of mind knowing that you will receive the support you need when you need it the most.

Top Car Insurance Companies in Hawaii

Hawaii is home to numerous insurance companies, but there are a few standout providers that consistently receive positive reviews from customers and experts:

• State Farm: State Farm is a well-known national insurer that offers a wide range of coverage options. With a strong presence in Hawaii, they have built a reputation for reliability and customer satisfaction.
• Geico: Known for its competitive rates and excellent customer service, Geico is a popular choice for many drivers in Hawaii. Its user-friendly online platform and mobile app make managing policies and filing claims easy.
• Allstate: Allstate is another reliable choice for drivers seeking comprehensive car insurance in Hawaii. They offer various coverage options and discounts, making it easier for policyholders to customize their coverage to fit their specific needs.

It’s important to note that while these companies have proven to be reliable and customer-friendly, it’s always a good idea to compare quotes and policies from multiple insurers to find the best insurance in Hawaii for your individual circumstances.

Best Car Insurance Options for Drivers with Accidents

After an accident, finding an insurance company that offers accident forgiveness can be beneficial. Accident forgiveness is a policy feature that prevents your rates from increasing after your first at-fault accident. This means that even if you make a mistake on the road, you won’t have to worry about your insurance premiums skyrocketing.

Not all insurance companies offer this feature, so be sure to inquire about accident forgiveness when obtaining quotes. Considering this option is important because it can save you a significant amount of money in the long run. With accident forgiveness, you can drive with peace of mind, knowing that your rates won’t be affected by a single accident.

Additionally, some insurance companies offer accident forgiveness as a reward for safe driving. Suppose you have a clean driving record and haven’t been involved in any accidents for a certain period of time. In that case, you may qualify for accident forgiveness as a way to reward your responsible behavior behind the wheel.

Affordable Insurance Options for High-Risk Drivers

Being labeled as a high-risk driver can make finding affordable car insurance difficult. However, several insurance companies specialize in providing coverage for high-risk drivers. These companies understand that accidents happen, and they are willing to work with you to find a policy that suits your needs and budget.

These insurance companies typically offer reduced rates and flexible payment options to help drivers get back on track after an accident. They understand that everyone deserves a second chance and are committed to helping you rebuild your driving record. By offering affordable rates and flexible payment plans, these companies make it easier for high-risk drivers to obtain the coverage they need without breaking the bank.

When searching for options as a high-risk driver, it’s important to compare car insurance quotes in Hawaii. Each insurer has its own criteria for determining risk, so it’s worth exploring to find the best coverage for your needs. Don’t let a previous accident define your future insurance rates. With the right insurance company, you can find affordable coverage that meets your needs and helps you confidently get back on the road.

Tips for Lowering Your Insurance Rates After an Accident

Getting into an accident can be a stressful experience, but it doesn’t have to break the bank when it comes to your insurance rates. You can employ several strategies to save money and lower the average car insurance costs in Hawaii. Let’s explore some of these tips in more detail.

Safe Driving Programs

One effective way to lower your insurance rates after an accident is to participate in a safe-driving program. Many insurance providers offer these programs, typically installing a telematics device in your vehicle or using a mobile app to track your driving habits.

By demonstrating safe driving behaviors, such as obeying speed limits and avoiding sudden stops or accelerations, you may be eligible for discounts on your premiums. These programs provide insurance companies with valuable data on your driving habits, allowing them to assess your risk level more accurately. If you consistently exhibit safe driving practices, you can enjoy the benefits of reduced insurance rates.

Discounts and Deductibles

Another way to lower your insurance rates is by taking advantage of available discounts. Insurance providers often offer various discounts to help you save money on your premiums. Some common discounts include good student discounts, multi-policy discounts (if you have multiple policies with the same insurer), and safe driver discounts.

Additionally, consider adjusting your deductible to lower your premium. Your deductible is the amount you pay out of pocket before your insurance coverage kicks in. By increasing your deductible, you can reduce your monthly premium. However, keep in mind that a higher deductible means you’ll have to pay more in the event of a claim, so make sure you have enough savings to cover the deductible if needed.

After an accident, finding the best car insurance in Hawaii is essential for protecting yourself and your finances. With the right knowledge and considerations, you can navigate the process and find coverage that meets your needs.

Insurance requirements and offerings may vary, so it’s important to consult with local insurance professionals to ensure compliance with Hawaii’s specific regulations. They can provide you with personalized advice and help you find the most suitable insurance options.

Furthermore, it’s worth noting that insurance rates can also be influenced by factors such as your age, driving history, and the type of vehicle you own. It’s important to provide accurate and up-to-date information to your insurance provider to ensure you receive the most accurate quotes and coverage.

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The Best Hawaii Auto Insurance

When you’re looking at Hawaii auto insurance companies, you need to find ways to lower your insurance rates after an accident. You need to make sure you take advantage of all the resources that these companies offer you that can help reduce the costs. Safe driving programs, discounts and even adjusting your deductible can save you money in the long run.

You should also listen to the professionals for their advice, as they can also inform you of the specific regulations in Hawaii. Another way is to use our comparison tool below. Enter your ZIP code and find car insurance quotes in Hawaii that will suit your needs.

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