Australia / New Zealand
Hawaii Car Rental Insurance for Overseas Visitors
Understanding Inclusive vs. Optional Coverage Before Reaching the Counter
For travelers residing outside the United States, renting a car in Hawaii comes with major differences regarding insurance coverage. Many international drivers expect built-in insurance, only to discover at the rental desk that their vehicle booking includes zero coverage.
Avoid a Shocking Surprise at the Counter!
This issue frequently occurs when travelers book through basic third-party rate aggregators that populate bare-bones rates without insurance, child safety seats, or navigation options.
Why US Coverage Differs from International Policies
Travelers residing in Australia, New Zealand, Europe, and the UK often receive quotes in their home countries that automatically include Loss Damage Waiver (LDW) and Additional Liability Insurance (ALI).
In contrast, US residents typically rely on their primary personal auto insurance policies alongside secondary credit card benefits* when renting cars domestically—benefits that international credit cards and personal policies rarely provide overseas.
Over-the-Counter Coverage Can Be Pricey
Purchasing optional insurance at the counter in the US can average ~$30/day for LDW and ~$18/day for ALI. Adding nearly $50/day in unexpected fees to your trip budget adds up quickly!
Our Top Picks for Inclusive Rates for International Travelers
Pro Tip: When booking, select your actual country of residency in the "Country of Residence" dropdown menu on the reservation form. This displays vehicles bundled with inclusive international coverages.
Alternative Third-Party Insurance Providers
If booking non-inclusive rates, independent third-party policies can be purchased prior to your trip through specialized insurers:
Overseas residents can also access discounted inclusive rates through AA Aloha Cars R Us. Simply submit an inclusive rate request via our website quote form, live chat, or phone at 1-800-655-7989.
*Secondary credit card coverage pays out only after primary auto insurance limits are exhausted.
AA Aloha Cars R Us ~ Hawaii Car Rental Specialists Since 1986