State Farm offers the cheapest non-owner car insurance for Hawaii drivers with clean records at just $21 monthly, well below the state average. The table below lists other affordable options to help you find the best fit.
Cheapest Non-Owner Car Insurance in Hawaii
Updated: January 30, 2025
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Best Cheap Non-Owner Car Insurance in Hawaii: Key Takeaways
State Farm is Hawaii's cheapest SR-22 non-owner car insurance provider, with an average monthly cost of $25.
Non-owner car insurance covers you when driving a vehicle that isn't yours, as long as you meet Hawaii's minimum coverage requirements.
Non-owner insurance benefits drivers who often borrow cars, rent vehicles or need to reinstate their license without a traditional policy.
Cheapest Non-Owner Car Insurance in Hawaii
| State Farm | $256 | $21 |
| GEICO | $312 | $26 |
| Progressive | $681 | $57 |
Cheapest Non-Owner SR-22 Car Insurance in Hawaii
State Farm provides Hawaii's cheapest SR-22 non-owner policy at $25 per month, below the state average. The table below compares other SR-22 insurance options to help you find the best fit.
| State Farm | $303 | $25 |
| GEICO | $458 | $38 |
| Progressive | $918 | $77 |
How Much Is Non-Owner Car Insurance in Hawaii?
Hawaii's average non-owner car insurance cost is $30 monthly, lower than the national average of $43. Drivers needing SR-22 typically see rates around $47 monthly, slightly below the $48 national average. Your rate may vary based on your driving history and other factors.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
Hawaii Average Cost
Monthly Premium
$30On average, non-owner car insurance in Hawaii is cheap:$13 saved
This is 30% less expensive.
Hawaii Non-Owner Car Insurance: Buyer's Guide
To help drivers determine if a non-owner insurance policy is the right choice, our guide covers the basics of non-owner insurance in Hawaii, compares it to standard policies and discusses affordability.
What Is Non-Owner Car Insurance?
For those who often drive but don't own a car, non-owner car insurance covers costs if they're at fault in an accident in Hawaii, reducing out-of-pocket expenses. Here's a table showing how this plan compares to standard policies.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Hawaii Allow Non-Owner Car Insurance?
Hawaii allows drivers to get non-owner car insurance, ensuring coverage even without owning a vehicle. When you need an SR-22, options are available to meet state minimum requirements.
HAWAII MINIMUM INSURANCE REQUIREMENTS
Hawaii's minimum coverage requirements apply to non-owner car insurance. The minimum limits are:
- $20,000 in bodily injury liability per person
- $40,000 in bodily injury liability per accident
- $10,000 in property damage liability per accident
- $10,000 personal injury protection (PIP) per person
Sometimes, the state minimum may not fully protect you. Consider how much coverage you need before buying insurance.
Should You Get Non-Owner Car Insurance in Hawaii?
Hawaii drivers who don’t own a vehicle but drive occasionally may want non-owner car insurance. It’s an affordable way to protect against damage or injuries you might cause while driving.
This insurance is ideal for renting cars, using car-sharing services or being between vehicles. It provides basic coverage, like the state minimum, so you're not stuck paying for medical and repair expenses after an accident.
AVOID ONE-DAY CAR INSURANCE
Beware of "one-day insurance"' offers in Hawaii, as they are not legitimate and may signal fraud. For temporary coverage, such as during a move or road trip, purchasing insurance through a car rental company is a much safer option.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owner car insurance policy:
Car borrowers
Car borrowers may need non-owner car insurance to cover liability for damage or injuries they may cause while driving someone else's vehicle, particularly if the owner's policy doesn't cover them.
Occasional renters
Occasional renters benefit from non-owner car insurance, as it provides liability coverage that rental agencies offer at a higher daily rate, potentially saving money for frequent renters.
Drivers between cars
Drivers between cars may purchase non-owner car insurance to maintain continuous coverage, which can prevent higher premiums due to gaps in their coverage history.
License reinstatement-seekers
People looking to reinstate their driver's license after a suspension may need to show proof of insurance. Non-owner policies meet this requirement without needing to own a vehicle.
WHAT IS SR-22 INSURANCE?
An SR-22, also called an SR-22 Certificate of Financial Responsibility, is a form your insurance company sends to the DMV to show you meet the state minimum coverage requirements. If you've had a serious driving offense, like a DUI or driving without insurance, you might need an SR-22 to drive again legally.
Cheap Non-Owner Car Insurance in Hawaii: Bottom Line
Hawaii drivers can get non-owner car insurance, including SR-22. State Farm offers the most affordable plan, with GEICO and Progressive as the next best-priced options. For the best deal, compare quotes from multiple providers.
Non-Owner Car Insurance in Hawaii: FAQ
Find answers to frequently asked questions about non-owner car insurance in Hawaii below.
Which company offers the cheapest non-owner car insurance in Hawaii?
State Farm offers Hawaii's most affordable non-owner car insurance, starting at $21 monthly. It also provides the lowest rate for SR-22.
How much does non-owners car insurance cost in Hawaii?
A non-owner's car insurance policy averages about $30 monthly or $365 annually in Hawaii. For those needing an SR-22, the average cost is $47 monthly or $564 yearly for the insurance certificate plus the non-owner policy.
Hawaii Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Hawaii auto insurance rates by collecting data from the Hawaii Insurance Division and Quadrant Information Services. We examined 240 quotes from five providers to identify the state's best and most affordable options.
Coverage Levels
We compared non-owner car insurance rates from companies in Hawaii using minimum coverage policies. The state-required minimum coverage includes:
- $20,000 in bodily injury liability per person
- $40,000 in bodily injury liability per accident
- $10,000 in property damage liability per accident
- $10,000 personal injury protection (PIP) per person
Drivers and Cars in Hawaii
To find the best and most affordable companies for non-owner car insurance in Hawaii, we used a sample driver profile with the following characteristics:
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We modified the sample profile for SR-22 rates to include an at-fault accident causing property damage between $1,000 and $1,999.
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.