Hawaii Car Insurance (Original)
We understand that Hawaii car insurance needs are different for each individual. That’s why DTRIC offers a variety of Hawaii auto insurance products, coverages, and options to give you peace of mind when you’re in your car and on the road.
We also know the importance of affordability when shopping for car insurance, so we offer a number of discounts, credits, and benefits that help you get the most out of your Hawaii auto insurance policy. Let DTRIC or your independent insurance agent help you create a reliable and affordable car insurance policy that is customized to fit your needs and provides the right protection for you and your family.
Get a free Auto Insurance quote online. Or speak to one of our insurance specialists at 808-923-8742 from Oahu or 1-877-923-8742 toll-free from the Neighbor Islands. Prefer to work with an independent agent? Use our Find An Agent tool to find one in your area.
Car Insurance Discounts*
- Home Auto Advantage(TM) Discount
Save on your home or renters policy when you bundle it with your DTRIC auto insurance policy. - Safe-Driving Discount
Save by having no accidents or traffic violations. - Multiple-Car Discount
Save if you insure more than one vehicle on the same auto insurance policy.
- Continuous Coverage Discount
Save if you have maintained continuous auto insurance with a valid carrier. - Paid-in-Full Discount
Save on your auto premium by paying for the full term. - Education Discount
Save for having a four-college degree or a professional license.*
*Applies to certain coverages only. Some restrictions apply.
DTRIC’s reward to you for safe, claim-free driving!
Deductible WipeOut™**
- You could reduce your collision deductible to $0, just by driving Aloha!
- Get up to $200 off your deductible after your first claim-free year!
- Deductible WipeOut™ is free to qualifying DTRIC auto insurance customers – there are no hidden fees and no additional charges to your premium!
Want to Learn More about Deductible WipeOut™? See answers to our Frequently Asked Questions.
**Deductible WipeOut is a trademark of DTRIC Insurance. It is only available on policies with Collision Deductible of $250 or higher. Earn up to $250 Deductible WipeOut with $250 Collision Deductible, up to $500 with $500 collision deductible, and up to $1,000 with higher collision deductibles. Deductible WipeOut will be applied to your first loss or claim only. Subsequent losses or claims will be at the regular deductible rates. Other restrictions may apply. The original Collision Deductible and new reduced Collision Deductible (after Deductible WipeOut) shown above are effective as of your renewal date for one vehicle on your policy. Other vehicles on your policy may have different original Collision Deductibles and/or new reduced Collision Deductibles. Your actual Deductible WipeOut(s) and new Collision Deductible(s) may differ.
DTRIC’s reward to you for safe, claim-free driving!
Deductible WipeOut™**
- You could reduce your collision deductible to $0, just by driving Aloha!
- Get up to $200 off your deductible after your first claim-free year!
- Deductible WipeOut™ is free to qualifying DTRIC auto insurance customers – there are no hidden fees and no additional charges to your premium!
Want to Learn More about Deductible WipeOut™? See answers to our Frequently Asked Questions.
**Deductible WipeOut™ is only available on policies with $250 collision deductible or higher. Earn up to $250 Deductible WipeOut™ with $250 collision deductible, up to $500 with $500 collision deductible, and up to $1,000 with higher collision deductibles. Some restrictions apply. Deductible WipeOut is a trademark of DTRIC Insurance.
Reduce Your Deductible
Starting with up to $200 off your deductible for your first year of claim-free driving, Deductible WipeOut™ has the potential to bring your deductible all the way down to $0 – a total Deductible WipeOut™.
Just look at how easy it is to wipe out your collision deductible!
| Years Without a Claim | Collision Deductible Discount | Your Deductible after Discount |
|---|---|---|
| 1 Year | $100 | $150 |
| 2 Years | $150 | $100 |
| 3 Years | $200 | $50 |
| 4 Years | $250 Maximum | $0 |
| Years Without a Claim | Collision Deductible Discount | Your Deductible after Discount |
|---|---|---|
| 1 Year | $200 | $300 |
| 2 Years | $300 | $200 |
| 3 Years | $400 | $100 |
| 4 Years | $500 Maximum | $0 |
| Years Without a Claim | Collision Deductible Discount | Your Deductible after Discount |
|---|---|---|
| 1 Year | $200 | $800 |
| 2 Years | $300 | $700 |
| 3 Years | $400 | $600 |
| 4 Years | $500 | $500 |
| 5 Years | $600 | $400 |
| 6 Years | $700 | $300 |
| 7 Years | $800 | $200 |
| 8 Years | $900 | $100 |
| 9 Years | $1,000 Maximum | $0 |
| Years Without a Claim | Collision Deductible Discount | Your Deductible after Discount |
|---|---|---|
| 1 Year | $200 | $1,300 |
| 2 Years | $300 | $1,200 |
| 3 Years | $400 | $1,100 |
| 4 Years | $500 | $1,000 |
| 5 Years | $600 | $900 |
| 6 Years | $700 | $800 |
| 7 Years | $800 | $700 |
| 8 Years | $900 | $600 |
| 9 Years | $1,000 Maximum | $500 |
| Years Without a Claim | Collision Deductible Discount | Your Deductible after Discount |
|---|---|---|
| 1 Year | $200 | $1,800 |
| 2 Years | $300 | $1,700 |
| 3 Years | $400 | $1,600 |
| 4 Years | $500 | $1,500 |
| 5 Years | $600 | $1,400 |
| 6 Years | $700 | $1,300 |
| 7 Years | $800 | $1,200 |
| 8 Years | $900 | $1,100 |
| 9 Years | $1,000 Maximum | $1,000 |
Identity Theft Recovery Coverage
Identify Theft Recovery Coverage is available to all DTRIC auto policyholders should you become a victim of identity theft. This coverage provides you with an experienced case manager, as needed, to guide you through the process of recovering your information, as well as the reimbursement of necessary and reasonable expenses incurred as the result of identity theft.
Free Emergency Roadside Service – DTRIC Gold Card***
Dealing with a roadside emergency can be a stressful experience. So the next time you find yourself in need of assistance, let the DTRIC Gold Card come to your rescue. Add other than collision, and towing and labor coverage to your auto policy and you’ll receive a DTRIC Gold Card for FREE! This is good for FREE emergency roadside services such as towing and labor, battery jump-starts, flat tire changing, and much more!
How Can I Get the DTRIC Gold Card?
The DTRIC Gold Card is FREE when you purchase collision, other than collision, and towing & labor to your auto policy. DTRIC Gold Card services are available to ALL vehicles insured under the same policy.
Here are some of the services and benefits available to you as a DTRIC Gold Card member, day or night, 365 days a year.
- FREE towing to your home
- FREE battery jump-start
- FREE delivery of up to two gallons of gas
- FREE professional locksmith services for your covered auto (up to $100)
- FREE flat tire service and roadside tire changing
- Enjoy reduced rates and get rental collision damage waiver exemptions when you rent from any Budget Rent-a-Car or Enterprise Rent-a-Car in Hawaii. Just use the DTRIC reservation code listed on the back of our DTRIC Gold Card when making reservations.
- If you need roadside service, please call 888-443-8742.
Start enjoying the benefits of the DTRIC Gold Card with your auto policy! Get started today with a FREE, no-obligation Auto FastQuote.
***Please note that DTRIC Gold Card holders may have up to three service occurrences per policy, per term. Some restrictions apply. Service occurrence limit excludes vehicle rental benefits. Once service occurrence limit is exceeded, your specific vehicle coverages will apply.
Get an Auto FastQuote
Want to see how much you can save? Get a free, no-obligation DTRIC Auto FastQuote online right now!
Our knowledgeable DTRIC representatives can assist you with a free, no-obligation auto insurance quote – just call 808-923-8742 or 1-877-923-8742 (neighbor islands toll-free) to get started.
Prefer to work with an independent insurance agent? Find an agent near you.