COVID-19 Response: Island Insurance is Always Here to Help and committed to limiting interruptions to our customers. While in-person services at the Island Insurance Center are temporarily suspended, our call centers are fully operational. Learn more Island Insurance Get a Hawaii Insurance Quote Auto Home Condo Renters Start a Quote Continue to a saved quote Oahu and Neighbor Islands (808) 643-4000 Speak with an agent Monday to Friday, 8am – 5:30pm Island Insurance Has You Covered Island Roots. Island Values. Island has been protecting Hawaii families and businesses for over 80 years. Support Local The state’s only locally owned P&C insurer, Island keeps your money working in Hawaii. Financial Strength Island is rated “A” Excellent for financial strength and stability by A.M. Best. The Island Advantage Hawaii insurance savings and discounts, flexible payment options, superior local claims service, and Island Certified℠ auto repair network on all islands. Customer Quick Links Pay Bill / Manage Account Find an Agent Insurance Products Auto Home Condo Renters Umbrella Landlord Flood Business All Personal Insurance · All Business Insurance Call to speak with an agent: (808) 643-4000 Monday to Friday, 8am – 5:30pm Find an independent agent Auto Insurance Protect what matters most to you with the right auto insurance policy and value. When you’re shopping for car insurance in Hawaii, whether it’s on a tight budget or with maximum protection in mind, Island has a policy with competitive insurance rates for you. GoLow℠ Auto Policy If you’re interested in saving money with a basic auto insurance policy, look no further than Island’s GoLow℠ Auto Policy. Created with maximum affordability in mind and featuring our lowest rates, GoLow℠ offers liability protection and enough coverage to keep you on the go and your car on the road. Learn More Island Auto Policy You’ll be well protected with an Island Auto Policy, which features a wide variety of coverages and limits that can be tailored to your preferences. Whatever level of protection fits you best, from minimum requirements to maximum peace of mind, Island has an auto policy that’s just right for you. Learn More Island Package Bundle Bundling truly is better! When you combine your Island auto insurance with a companion home, condo or renters policy, you unlock another level of savings with the Island Package Bundle. More protection. More convenience. More value. Learn More Benefits & Discounts You could save hundreds on your auto insurance with Island, and take advantage of discounts and added extras like built-in accident forgiveness, emergency towing, and more. Learn More Hawaii Auto Insurance Coverage Requirements All Hawaii drivers are required to maintain at least the minimum amount of car insurance coverage below: $20,000 per person/$40,000 per accident bodily injury liability $10,000 per accident property damage liability $10,000 per person personal injury protection Additional Coverages Collision Coverage You may add Collision coverage to pay the cost of repairing or replacing your vehicle in the event of an auto accident, minus the amount of your deductible. Collision coverage protects against your vehicle’s collision with another vehicle or an object, like a guardrail or a tree. Other Than Collision Coverage Other than collision coverage is an optional coverage that can cover direct and accidental losses to your car by incidents such as fire, theft, vandalism, and broken windshields. If you have questions or are unsure of what you need, your independent insurance agent will be able to help determine what coverages and deductibles will fit your needs. Collision and Other Than Collision Coverages are important for owners of: Vehicles that are being leased or financed Newer vehicles that would be expensive to replace Uninsured Motorist Coverage Uninsured motorist coverage protects you and others if injured in an accident with an at-fault driver who doesn’t carry liability insurance. Underinsured Motorist Coverage Underinsured motorist coverage protects you and others when injured in an accident with an at-fault driver whose liability limits are too low to cover the damages. Some restrictions, terms and conditions apply. The descriptions above contain general summaries of available insurance coverages and are not a statement of contract. All insurance coverages are subject to policy provisions, limitations and exclusions that can only be expressed in the policy itself. For more information on Hawaii insurance coverages, please contact your insurance agent. Claims Find an Agent Contact Us About Us Careers Pay Bill / Manage Account Agency Portal Auto Homeowners Condo Renters Umbrella Flood Business Facebook YouTube HawaiiBusiness Best Places To Work Hawaii BBB Accredited Business Financial Strength Rating Wards 50 Please note that the information contained herein is general in nature, is not an insurance policy, and is not meant to take the place of an insurance review. Please contact an independent insurance agent for more information. Copyright © 2021, Island Insurance Company Limited. All rights reserved.