· $20,000/40,000 Bodily Injury Liability
· $10,000 Property Damage Liability
· $10,000 Personal Injury Protection VEHICLE: 2007 Honda Accord VP, 4-door sedan
· $20,000/40,000 Uninsured Motorist Stacked
· $20,000/40,000 Underinsured Motorist Stacked ANNUAL PREMIUMS: Rates in effect November 1, 2008
512 5 12 479 4 79 376 3 76 529 5 29
855 1,194 794 1,108 617 8 50 881 1,236
409 5 48 387 5 13 315 4 09 420 5 62
793 8 45 747 7 95 569 6 03 805 8 61
445 6 63 414 6 17 311 4 52 447 6 72
196 2 13 199 2 16 137 1 48 236 2 56
855 1,194 794 1,108 617 8 50 881 1,236
196 2 13 199 2 16 137 1 48 236 2 56
196 2 13 199 2 16 137 1 48 236 2 56
945 1,138 780 9 31 655 7 76 899 1,076
595 6 50 504 5 50 410 4 47 597 6 52
1 ,082 1,156 1 ,109 1,180 923 9 82 1 ,078 1,152
486 5 31 452 4 94 412 4 50 492 5 38
311 4 17 308 4 14 231 3 05 315 4 25
196 2 13 199 2 16 137 1 48 236 2 56
196 2 13 199 2 16 137 1 48 236 2 56
702 7 60 615 6 64 560 6 04 749 8 11
781 8 46 683 7 37 622 6 70 832 9 01
781 8 46 683 7 37 622 6 70 832 9 01
625 6 76 546 5 89 498 5 38 665 7 20
372 3 99 321 3 44 270 2 88 366 3 93
1 ,093 1,156 1 ,104 1,168 854 9 00 1 ,123 1,189
748 8 10 693 7 49 542 5 83 712 7 70
524 5 24 521 5 21 398 3 98 548 5 48
544 6 28 557 6 44 365 4 20 556 6 41
567 6 30 421 4 65 441 4 87 556 6 20
506 5 06 434 4 34 318 3 18 416 4 16
855 1,194 794 1,108 617 8 50 881 1,236
446 5 70 464 5 94 308 3 86 444 5 68
667 7 28 623 6 80 507 5 53 635 6 93
800 8 72 746 8 14 608 6 63 760 8 29
618 9 68 629 9 89 444 6 69 590 9 23
557 8 72 566 8 89 399 6 02 531 8 31
412 6 45 420 6 59 295 4 46 393 6 15
370 5 80 377 5 93 266 4 01 354 5 53
300 3 00 268 2 68 214 2 14 280 2 80
196 2 13 199 2 16 137 1 48 236 2 56
855 1,194 794 1,108 617 8 50 881 1,236
ASK ABOUT THE HAWAII JOINT UNDERWRITING PLAN (HJUP) 855 1,194 794 1,108 617 8 50 881 1,236
533 6 42 441 5 27 372 4 40 507 6 07
311 4 17 308 4 14 231 3 05 315 4 25
304 4 05 300 4 01 224 2 95 308 4 12
744 8 29 663 7 37 531 5 87 719 8 00
629 8 18 555 7 25 497 6 46 598 7 61
521 6 44 465 5 72 374 4 55 505 6 21
786 9 11 702 8 12 564 6 48 759 8 80
651 7 67 585 6 86 470 5 47 631 7 42
436 5 51 389 4 89 314 3 89 422 5 32
662 8 66 622 8 38 470 6 26 636 8 58
643 7 88 590 7 23 452 5 56 587 7 20
508 6 10 466 5 58 359 4 27 464 5 56
420 4 57 388 4 23 316 3 44 397 4 32
304 4 05 300 4 01 224 2 95 308 4 12
268 2 88 230 2 47 190 2 04 263 2 83
524 793 9 54 651 7 77 550 6 50 749 8 95
508 372 3 99 321 3 44 270 2 88 366 3 93
855 371 3 98 321 3 44 269 2 88 365 3 92
409
268
445
412
370
420
748
1 ,082 115,148
486 63,229
544 33,212
372 25,441
1 ,093 183,478
371 3 5,986
702 33,905
793 34,467
744 36,691
629 134,957
781 83,223
Notes: · Premiums may vary among insurance companies and among risk classification within each company · Your actual premium may vary from the sample premiums shown in this list
* Closed book of business/renewals only ** Mass merchandising or restricted group rates + Insurer’s rate filing request approved or pending
Progressive Casualty Ins. Co.+
Progressive Direct Ins. Co.+
First Ins. Co. of Hawaii, Ltd.
GEICO Casualty Co.+
USAA General Indemnity Co.
First Fire & Casualty Ins. of Hawaii, Inc.
United States Fire Ins. Co.
Hartford Underwriters Ins. Co.**+
USAA Casualty Ins. Co.**
Liberty Mutual Fire Ins. Co.+
Liberty Mutual Fire Ins. Co.**+
Tradewind Ins. Co., Ltd.
GEICO Indemnity Co.+
DTRIC Ins. Co., Ltd.
DTRIC Ins. Co., Ltd. **
Liberty Mutual Insurance Co.’s
Progressive Insurance Co.’s
State Farm Insurance Co.’s
USAA Insurance Co.’s
First Insurance Co.’s
GEICO Insurance Co.’s
Hartford Underwriters Ins. Co.
Island/Tradewind Insurance Co.’s
If you try several companies and cannot find coverage, you can be
insured through the Hawaii Joint Underwriting Plan. This is a riskpooling
arrangement in which all motor vehicle insurers must
participate. The HJUP insures those drivers who are unable to
secure insurance from a licensed company or have multiple
accidents or traffic convictions. You may apply through any sales
agent of an insurance company licensed to sell motor vehicle
insurance in this State.
For the latest update, visit our website www.hawaii.gov/dcca/ins.
For further information, contact the Insurance Division, P.O. Box
3614, Honolulu, Hawaii 96811, or call (808) 586-2790.
CLEAN RISK: Driver with clear driving record (no accidents and no traffic convictions).
Usage: Pleasure
ONE SPEEDING CONVICTION: Driver with one speeding conviction and no accidents.
Usage: Pleasure
You can buy your motor vehicle insurance policy from a company
licensed to do business in Hawaii or an insurance agency licensed to
sell policies for the insurance company. The sales agent will answer
your questions and help you determine how much insurance you
may need.
THE SAMPLE PREMIUMS VS YOUR PREMIUMS
The cost of your motor vehicle insurance policy will depend on
several factors: your driving record (at fault accidents and
convictions); the use of the vehicle (to and from work may increase
premiums 15-25% over pleasure usage); annual mileage driven;
your selected coverages; your selected limits and deductibles; and
any possible discounts (many companies offer 3-5 year renewal
discounts) that may apply.
You may reduce your premiums by declining in writing uninsured
and underinsured motorist coverages. If you purchase physical
damage coverages, your premiums will be significantly higher. Also,
the make and model of your vehicle and its repairability affect
physical damage premiums. You may reduce physical damage
premiums by requesting higher deductibles.
Most insurance companies are listed in the telephone directory and
can direct you to one or more of their licensed sales agents.
Insurance companies that are not listed in the directory, generally,
transact business through one or more insurance agencies that may
advertise their auto insurance services in the telephone directory.
WHAT IF YOU HAVE TROUBLE FINDING INSURANCE?
Companies may choose the people they wish to insure. However,
they may not refuse to insure you on the basis of your race, creed,
ethnic extraction, age, sex, length of driving experience, credit
bureau rating, marital status, residence, or physical handicap.
Some companies specialize in low risk classes; other companies
specialize in high risk classes; and some companies will only insure
members of a group contracting for group insurance. The premium
charged will vary accordingly. If you are turned down by one
company, the sales agent must offer to place you in the Hawaii Joint
Underwriting Plan, or, you can check with other companies.
OAHU – MAJOR INSURERS
American International Co.’s
Insurance Company Clean Risk
These complaint ratios are based on the number of written complaints received by the Insurance Division from January 1, 2007 to December
31, 2007 for the 11 insurance companies that write more than 95% of the private passenger automobile insurance market. These numbers
do not reflect any determination on the part of the Insurance Division as to whether a particular complaint may have been justified or not and
include no-fault hearing requests.
No. of Autos
Insured
Ratio of Complaints
per 1,000 Autos
USAA General Indemnity Co.
Allstate Insurance Co.’s
DTRIC Ins. Co., Ltd.
Government Employees Ins. Co. (GEICO)+
State Farm Mutual Automobile Ins. Co.
AIG Hawaii Ins. Co., Inc.
AIG Hawaii Ins. Co., Inc.**
United Services Automobile Association (USAA)**
Allstate Ins. Co.
Insurance Company/Group
CUSTOMER COMPLAINT RATIOS (for Selected Insurance Companies)
Allstate Indemnity Co.
Associated Indemnity Corp.*
Crum & Forster Indemnity Co.
Dongbu Ins. Co., Ltd. (U.S. Branch)
Allstate Ins. Co.
American Automobile Ins. Co.*
American Home Assurance Co.
American Ins. Co.*
KAUAI
clean
risk
AIG Hawaii Ins. Co., Inc.**
clean
risk
AIG Centennial Ins. Co.
AIG Hawaii Ins. Co., Inc.
one
OAHU MAUI
one
speeding
HAWAII
one
speeding
conviction
BUYING AUTO INSURANCE
one
speeding
conviction
Insurance Company
risk
(Alphabetical Order) speeding clean
I n f o r m a t i o n f o r C o n s u m e r s
The Insurance Division of the Hawaii State Department of
Commerce and Consumer Affairs provides this information on
licensed insurance companies transacting private passenger motor
vehicle insurance in Hawaii as part of a continuing effort to assist
and educate consumers. Having motor vehicle insurance is
essential to owning a motor vehicle in Hawaii. Hawaii State law
requires that your vehicle be insured throughout the motor vehicle
registration period, and that you have a valid Hawaii motor vehicle
insurance identification card in your motor vehicle at all times.
SAMPLE ANNUAL PREMIUMS
Be a wise consumer. Be informed and shop for the combination of price and insurance coverage that best suits your needs.
M O T O R V E H I C L E I N S U R A N C E
This list of sample premiums for licensed
insurance companies transacting private
passenger auto business is based on the following
minimum coverages:
0.409
0.096
0.060
0.059
0.667
2
8
1 06
1 3
5
No. of Complaints
Received
0.578
0.361
0.314
1 0 0.301
0.469
0.253
2 3
1 5
1 3
conviction conviction
clean
risk
5 4
1 6
DTRIC Ins. Co., Ltd.
DTRIC Ins. Co., Ltd. **
Federal Ins. Co.
Fireman’s Fund Ins. Co.*
Fireman’s Fund Ins. Co. of Hawaii, Inc.*
First Fire & Casualty Ins. of Hawaii, Inc.
First Indemnity Ins. of Hawaii, Inc.
First Ins. Co. of Hawaii, Ltd.
First Security Ins. of Hawaii, Inc.
Garrison Property & Casualty Ins. Co.
GEICO Casualty Co.+
GEICO Indemnity Co.+
Government Employees Ins. Co. (GEICO)+
Hartford Underwriters Ins. Co.**+
Hawaiian Ins. & Guaranty Co., Ltd.
IDS Property Casualty Ins. Co.
Ins. Co. of the State of PA
Interinsurance Exchange of the Automobile Club**
Island Ins. Co., Ltd.
Island Premier Ins. Co., Ltd.+
Liberty Ins. Corp.+
Liberty Ins. Corp.**+
Liberty Mutual Fire Ins. Co.+
Liberty Mutual Fire Ins. Co.**+
Metropolitan Property & Casualty Ins. Co.**
National Surety Corp.*
National Union Fire Ins. Co. of Pittsburgh, PA
New Hampshire Ins. Co.
North River Ins. Co.
Pacific Indemnity Co.
Phoenix Ins. Co.
Progressive Casualty Ins. Co.+
Progressive Direct Ins. Co.+
Progressive Hawaii Ins. Corp.*
Progressive Northern Ins. Co.*
Progressive Northwestern Ins. Co.*
Progressive Specialty Ins. Co.*
RLI Ins. Co.*
State Farm Fire & Casualty Co.
State Farm Mutual Automobile Ins. Co.
USAA Casualty Ins. Co.**
Tradewind Ins. Co., Ltd.
Travelers Indemnity Co. of America
United Services Automobile Association**
United States Fire Ins. Co.~
