Is gap insurance worth it for new cars in Hawaii?

gardening229 · 2026-04-23T21:07:40Z

Just bought a new car (well, new to me) and the dealer kept pushing gap insurance. I get the idea, but is it really necessary here? I mean, with how fast cars depreciate and the crazy cost of living, I’m kinda torn. Anyone here actually needed to use gap insurance in Hawaii, or is it just another add-on that’s not really worth it? Would love to hear some real stories or advice.

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Hawaii (HI) Car Insurance

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jwolf87

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I used to think gap was a waste, but after my coworker’s car got rear-ended and totaled, I started rethinking it. She owed more than the payout and had to cover the difference out of pocket. I’m still on the fence, but that made me pause.

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Is gap insurance worth it for new cars in Hawaii?

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