Auto Insurance rates in Hawai'i one of the lowest in the nation??

Our take

Auto insurance rates in Hawai'i are notably among the lowest in the nation, a surprising fact that often prompts curiosity. Recently, I stumbled upon an article discussing the devastating impact of hail storms in Ohio, where up to 20% of cars can be totaled during such events. This led me to explore how such weather phenomena influence insurance rates across the country. Interestingly, my research revealed that the estimated annual premiums for a 2020 Honda Odyssey and a 2024 Toyota RAV4 in Honolulu range from $750 to $1,400, significantly lower than what drivers in states like Ohio, California, and Florida might pay. In those regions, the combined annual bill for these vehicles could soar to over $4,500, highlighting Hawai'i’s favorable insurance landscape.

I was looking at an article about hail storms in Ohio damaging cars (like this one). Something like 15-20% of cars claimed are "totaled" during a heavy hail storm. Got me wondering, how does it affect our rates in Hawai'i? So, I asked Google, and ended up going in a total tangent exploring insurance rates in general. This is what it came out with assuming 2020 Honda Odyssey and a 2024 Toyota Rav4. Ohio came in pretty close to Hawai'i for auto insurance rates. Is this true to real life experience? Not thinking of moving, but I was just curious and ended up being nothing related to the hail damage question I started wondering about...ADHD is real.

Estimated Premium Comparison (Annual)

Based on your current policy structure ($500 deductibles, Stacked UM/UIM) in Honolulu.

Feature	2020 Honda Odyssey	2024 Toyota RAV4
Est. Annual Premium	~$750 – $950	$1,150 – $1,400

If you moved this "Odyssey + RAV4" fleet to the states we discussed earlier:

Ohio: You might see a total bill around $2,100/year.
California/New York: You would likely jump to $3,800/year.
Florida: You would likely exceed $4,500/year for these two vehicles. HOLY SHIT

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#farm-to-table Kauai#Auto Insurance#Hawai'i#Premium Comparison#2020 Honda Odyssey#2024 Toyota RAV4#Ohio#Annual Premium#Insurance Rates#Hail Storms#Totaled Cars#California#New York#Florida#Estimated Premium#Deductibles#Stacked UM/UIM#Insurance Policy#Damage Assessment#Insurance Market