The average for insurance premiums for cars in Hawaii increased from 776.18 in 2007 to 817.45 in 2008. This shows a 5.30 percent increase. The increase auto insurance figures for 2008 are broken down into three categories which are liability coverage, collision coverage, and comprehensive coverage. All indicates show that coverage for liability averaged $537.36, while collision, and comprehensive averaged $285.14, and $108.19 respectively. In 2008, 21 states showed higher insurance premiums averages while the other 28 indicated lower averages. That’s a change of only one state from In 2007, which indicated 22 states with higher insurance premiums than Hawaii. In 2000 and 2005, auto insurance coverage in Hawaii averaged $701.51 with 16 states having higher averages.

Various Factors that can Affect Auto Insurance Costs in Hawaii:

• Speed Limit in Cities 50
• Speed Limit On Highways 45
• Blood Alcohol Percentage Limit 0.08
• Open Container Law Both the driver and passenger of any vehicle are prohibited from having open alcohol in their possession
• Handheld Cell Phones There currently is no statewide ban on using a hand held cell phone while driving.

Cell Usage By Driver There is no ban on all cell phones by motorist in the state of Hawaii.

License Suspension on DUI The state will suspend driver’s license for 3 months on a first offense.

Restoration Available After DUI After 30 days, driving privileges may be restored under certain conditions after suspension.

Hawaii Auto Insurance Premium Data

• 2008 Average Premium $817.45
• 2007 Average Premium $776.18
• 2007-2008 % Change 5.30%
• 2008 Collision Cost $285.14
• 2008 Liability Cost $537.36
• 2008 Comprehensive Cost $108.19
• 2008 Premium Rank 22

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