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Best Local Car Insurance Agencies in Hawaii

Our Recommended Top 5

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Hawaii local car insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

801Reviewed

482Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Local Car Insurance Agencies Serving Hawaii
Waipahu

Expertise.com Rating

Review Sources

Google
4.8 (93)
Facebook
4.1 (13)
Yelp
1.0 (1)

Why choose this provider?

Carr's Insurance Agency has been providing services to clients in Hawaii since 1990. It is an independent company that offers personal and commercial auto insurance and customizes coverage according to need. It also covers different types of vehicles, such as boats, motorcycles, all-terrain vehicles, and classic cars. In addition, the agency's commercial auto policies include small cargo trucks, flatbed trucks, semi-trucks, and delivery trucks. Carr's Insurance Agency is a member of the Professional Insurance Agent and also serves clients in Washington State.

Best Local Car Insurance Agencies Serving Hawaii
Honolulu

Expertise.com Rating

Review Sources

Yelp
5.0 (56)
Google
4.9 (36)

Why choose this provider?

Shelli Toguchi-Hadley serves the auto insurance needs of Hawaii individuals, families, and business owners. She is a State Farm agent who has been with the company since 2010, working for four years as a team member for two other State Farm agents before opening her own agency. Her teams put together the best insurance policies for clients that cover financial losses in case of collisions, injuries, or property damage. She also arranges insurance plans for rideshare vehicles, teen drivers, commercial vehicles, and rental cars.

Best Local Car Insurance Agencies Serving Hawaii
Honolulu

Expertise.com Rating

Review Sources

Yelp
4.0 (5)
Google
3.7 (3)

Why choose this provider?

Insurance Associates, Inc., is a locally owned and independent company that provides its services in Hawaii. It offers personal and commercial auto insurance policies for various vehicles, ranging from sedans and subcompacts to minivans and roadsters. It also covers towing and rental services when the insured vehicle is under repair. The company, which has been operating since 1969, is a member of the Independent Insurance Agents and Brokers of America. It gives back to the community by supporting Kapiolani Children�s Hospital and YMCA.

Best Local Car Insurance Agencies Serving Hawaii
Honolulu

Expertise.com Rating

Review Sources

Facebook
5.0 (34)
Yelp
5.0 (23)
Google
5.0 (20)

Why choose this provider?

State Farm agent Ross Tsuha serves individuals, families, and businesses across Hawaii. He has been with the company since 2013, catering to clients in need of cheap auto insurance policies that fit their needs and resources. The policies his team offers provide liability, personal injury, comprehensive, and collision coverage for private and commercial vehicles. Tsuha also educates teen drivers on safe driving practices, in addition to arranging insurance plans specifically for their age group. Other insurance products include home, property, business, and life insurance.

Best Local Car Insurance Agencies Serving Hawaii
Honolulu

Expertise.com Rating

Review Sources

Facebook
5.0 (14)
Google
5.0 (12)
Yelp
4.5 (9)

Why choose this provider?

Derek Sayegusa is an insurance agent who offers car insurance to clients in Hawaii. His insurance policies cover different types of vehicles, such as classic and antique cars, sports cars, and commercial auto. He helps clients evaluate and choose the best coverage, including liability coverage, protection from underinsured and uninsured motor vehicles, and collision coverage. Sayegusa has been operating the Sayegusa Insurance Agency, Inc., under State Farm since 2015. He can provide his services in Spanish.

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Carr's Insurance Agency
94-547 Ukee St Ste 300, Waipahu, HI 96797
Shelli Toguchi-Hadley
4510 Salt Lake Boulevard, Honolulu, HI 96818
Insurance Associates, Inc.
800 Bethel St Ste 200, Honolulu, HI 96813
Ross Tsuha
1314 South King Street, Honolulu, HI 96814
Derek Sayegusa
1575 South Beretania Street, Honolulu, HI 96826

Hawaii Car Insurance Agency FAQs

  • What does Hawaii being a “no-fault” state for car insurance mean?

    Hawaii is considered a “no-fault” state for car insurance, which means the driver’s chosen auto insurance provider will be shouldering the medical bills for their and their passengers’ injuries in the event of an accident. The payout amount will depend on the personal injury protection benefit limit stated on their policy.

  • Does the “no-fault” auto insurance cover property damage in Hawaii?

    No, the so-called “no-fault” auto insurance does not cover property damage in Hawaii. It only applies to injuries. To take care of property or vehicle damage of the other party in case of a collision, vehicle owners in the state are required to carry property damage liability insurance worth at least $10,000. Vehicle owners may also opt to obtain comprehensive and collision insurance for added financial protection for their cars.

  • Are you required to get uninsured and underinsured motorist auto insurance coverage in Hawaii?

    No, you are not required to get uninsured and underinsured motorist insurance coverage in Hawaii. This is an optional coverage that is available to you. Insurance agents or companies are required by law to advise you about your UM and UIM coverage options and your right to decline these coverages in writing.

  • Will you go to jail for driving an uninsured car in Hawaii?

    While it is true that driving an uninsured car in Hawaii can result in significant penalties, including hefty fines up to $5,000, license suspension, and vehicle impoundment, violators are not automatically sentenced to serve jail time. You may face imprisonment only if you incur multiple convictions of driving an uninsured car within five years.

  • Where can you get auto insurance if insurance agencies in Hawaii turn you down because of your undesirable driving record?

    If you caused accidents or have a number of traffic violations and Hawaii insurance agencies deny you an auto insurance policy, you may turn to the Hawaii Joint Underwriting Plan. This state initiative is designed to help insure drivers with an undesirable driving history receive the same coverage types as those available to low-risk drivers. It must be noted that HJUP-granted insurance policies have higher premiums.