Do I need extra insurance when renting a car in Hawaii?
Car rental insurance is not mandatory in Hawaii. The companies cannot require you to purchase their insurance policies. They do include the minimum state-required liability insurance as part of the basic rental car agreement.
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Key Takeaways. Car insurance costs are cheaper in Hawaii than in other states. This is because non-driving rating factors that normally increase premiums, like your age and credit score, are disregarded. However, factors particular to Hawaii — like the fact that it's a no-fault state — can increase rates.
You can expect to pay between $52 and $56 per day for insurance, on average, depending on the company for car rentals in Hawaii. Compared to Hertz and Avis, Enterprise's daily rate of $52 is the most affordable option, while those companies' rates are $55 and $56 per day, respectively.
If your trip doesn't involve any nonrefundable reservations, you may not need travel insurance. For instance, if you've booked only airplane tickets and a hotel stay for your vacation, and they're both governed by flexible cancellation policies, the trip cancellation benefit may not be necessary.