Saving on Insurance Costs

Before you’re ready to hit the road alone, you’ll need insurance coverage. Hawaii requires all licensed drivers to get auto insurance, which will help pay for injuries and damage if you’re in a crash.

Saving Money on Car Insurance

Risk of a crash is significantly higher for teen drivers, particularly during the first year of driving. So, their car insurance rates usually cost more. Here are a few ways you can help your family save some money:

  • Keep your grades up. Most insurers offer lower auto insurance rates for students with a “B” or higher grade average.
  • Investigate discounts. Many insurers offer discounts for teen drivers who complete driver’s education or defensive driving courses.
  • Drive carefully! Avoid crashes and tickets, which can cause a teen driver’s auto insurance rates to jump. Plus, it’s the safe thing to do.
  • Don’t get your own car yet. If you won’t be the main driver for any of your family’s vehicles and can be classified as an occasional driver of one car, you could save your family hundreds of dollars.
  • If you need a car, get a sensible one. Many experts agree that mid-sized sedans are the safest choice for teen drivers, and the cars often have the lowest auto insurance rates, too.
  • Partner with your parents.Using a Parent-Teen Driving Agreement could help you avoid a crash or ticket that would increase your rates.

Car insurance Requirements inHawaii

All cars registered to drive in Hawaii are required to have car insurance at the minimum levels of $20,000 per person for bodily injury, $40,000 per occurrence for bodily injury, $10,000 for property damage and $10,000 for personal injury protection. Car insurance companies determine rates based on factors such as your driving record, how much you drive, and where you live, and what you drive.

Learn more about car insurance available through AAA.