Non-Owner Car Insurance in Hawaii
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Liability protection for drivers in Hawaii who don't own a car.
- $40.Average monthly owner liability cost.
- Minimum liability limits: 40/80/20.
- Hawaii ranks 49th of 51 as the most expensive state (1st = highest).
People suited to non-owner insurance
- Often, you drive cars that you borrow or rent without owning one.
- You have no car to insure, while Hawaii asks for an SR-22 filing.
- You want to prevent a break in coverage between cars, because it can raise your next price.
Coverage details
A non-owner policy provides liability coverage only. It must meet Hawaii's 40/80/20 minimum.
If you cause a crash while driving a borrowed car, it pays other people. It won't repair the car you're driving. The owner's policy usually pays first.
Policy costs
No official average exists for non-owner policies. In Hawaii, car owners pay an average of $477 a year for liability. Non-owner policies usually cost less, since no car is parked in your driveway day after day.
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