Who Has the Cheapest Car Insurance Quotes in Hawaii?
Who Has the Cheapest Car Insurance Quotes in Hawaii?
We reviewed all of the top auto insurance companies in Hawaii and found that Geico has the best rates for drivers with a minimum coverage rate of $275.
We reviewed all of the top auto insurance companies in Hawaii and found that Geico has the best rates for drivers with a minimum coverage rate of $275.
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The best way to find cheap insurance is to compare quotes from multiple insurers. We recommend shoppers contact at least three companies before making their choice. Use the box above to get rates from the top providers close to you, or keep reading for more insights on the cheapest insurers in your state.
Cheapest auto insurance in Hawaii: Geico
Our analysis found that Geico is the cheapest car insurance company for minimum coverage insurance. The average cost of minimum coverage in Hawaii is $644 per year, but Geico's average rate is 57% cheaper, at just $275 per year.
Find Cheap Auto Insurance Quotes in Hawaii
Rank | Company | Average annual rate |
|---|---|---|
| 1 | Geico | $275 |
| 2 | Island Insurance | $425 |
| 3 | Allstate | $851 |
| 4 | State Farm | $1,324 |
| N/A | USAA | $344 |
USAA is excluded from rankings because it is only available to current and former military members and their families.
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For shoppers who prioritize affordability, minimum coverage might seem like the best option. However, minimum coverage in Hawaii only covers damage to the other driver's car and any injuries resulting from the accident, so you'd have to pay for repairs to your own car.
Cheapest company for full coverage: Geico
A full coverage car insurance policy costs an average of $1,763 per year, or $147 per month. Geico again provides Hawaii drivers with the best value, charging rates that, at $705 annually, are 60% cheaper than the state average.
Insurer | Cost per year | Cost per month |
|---|---|---|
| Geico | $705 | $59 |
| Island Insurance | $1,326 | $111 |
| Allstate | $2,150 | $179 |
| Hawaii average | $1,763 | $147 |
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Full coverage includes collision and comprehensive coverage as well as the state minimum coverages, which means that your insurer will cover repairs to your car and the other driver's car. ValuePenguin recommends full coverage to most drivers, unless their car is worth less than the annual policy. If this is the case, minimum coverage may be appropriate.
Cheap car insurance for drivers with prior incidents
Annual rates usually rise if incidents appear on your driving record. Insurers see incidents such as driving under the influence, a speeding ticket or an at-fault accident as a sign that you are a high-risk driver, and they increase rates to account for that risk.
To help Hawaii drivers select the most affordable coverage, we found the insurers that offer the best rates for those who have:
Find Cheap Auto Insurance Quotes in Hawaii
Cheapest for drivers with an accident: Geico
If you're a Hawaii resident who has recently been in an at-fault car accident, we'd recommend taking a look at Geico for affordable full coverage. Rates for Hawaii drivers who have caused an accident average $2,358 per year, but Geico charges just $1,037 — 56% less.
Insurer | Cost per year | Cost per month |
|---|---|---|
| Geico | $1,037 | $86 |
| Island Insurance | $1,772 | $148 |
| Allstate | $3,347 | $279 |
| State Farm | $4,241 | $353 |
| Hawaii average | $2,358 | $197 |
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Average rates for full coverage increase by about 34% after an at-fault accident. However, insurers penalize accidents to different degrees. Allstate increases rates by over $1,000, from $2,150 before an accident to $3,347 after an accident. Geico, by contrast, raises rates by just over $300, from $705 to $1,037.
If your rate increase is more than you can afford, you should shop around for better rates. You might be able to snag a better deal from a different company.
Cheapest car insurance for people with a speeding ticket: Geico
Hawaii residents who have received a ticket for driving above the speed limit will likely find their best rates with Geico. Geico did not increase annual premiums for our sample Hawaii driver after a speeding ticket, which makes its rates significantly more affordable than its competitors'. At $705 a year and $59 a month, full coverage from Geico is $1,342 cheaper than the state average of $2,047.
Insurer | Cost per year | Cost per month |
|---|---|---|
| Geico | $705 | $59 |
| Island Insurance | $1,439 | $120 |
| Allstate | $3,036 | $253 |
| Hawaii average | $2,047 | $171 |
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While a speeding ticket will likely increase your auto insurance rates, it won't increase them as much as an at-fault accident will. Our analysis of average rates in Hawaii found that rates go up by 16% after a speeding ticket, compared to 34% after an at-fault accident.
Cheapest car insurance for drivers with a DUI: State Farm
Driving under the influence (DUI) will cost you the most in terms of increased insurance rates. ValuePenguin's analysis found that while rates jump by 16% after a speeding ticket and 34% after an at-fault accident, they jump by 220% after a DUI, from $1,763 to $5,652. In other words, Hawaii drivers with a DUI can expect to pay triple what drivers with a clean record pay.
We recommend State Farm to Hawaii drivers with a citation for driving under the influence. At $3,872 per year and $323 per month for full coverage, premiums from State Farm are 32% more affordable than the state average.
Insurer | Cost per year | Cost per month |
|---|---|---|
| State Farm | $3,872 | $323 |
| Geico | $5,016 | $418 |
| Allstate | $5,759 | $480 |
| Hawaii average | $5,652 | $471 |
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{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EAnnual rates usually rise if incidents appear on your driving record. 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No hassle. No hidden costs.\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"QuoteWizardQuoteForm\"\u003E{\"buttonText\":\"HI Quotes\",\"customEventLabel\":\"\",\"defaultProduct\":\"auto\",\"defaultZip\":\"\",\"hideTitle\":false,\"id\":\"QuoteWizardQuoteForm--215\",\"isAgeFieldVisible\":true,\"isDeltyForm\":false,\"isInsuranceTypeFieldVisible\":true,\"isInsuredStatusFieldVisible\":true,\"quoteWizardEndpoint\":\"https:\\\/\\\/quotes.valuepenguin.com\",\"showTrustMessage\":\"true\",\"style\":\"\",\"tier\":\"VPT1\",\"title\":\"Find Cheap Auto Insurance Quotes in Hawaii\",\"trackingKey\":\"_best-cheap-car-insurance-hawaii\",\"trustMessage\":\"No spam. No hassle. No hidden costs.\",\"vendor\":\"vp\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"accident\"\u003ECheapest for drivers with an accident: Geico\u003C\/h3\u003E\n\n\u003Cp\u003EIf you're a Hawaii resident who has recently been in an at-fault car accident, we'd recommend taking a look at \u003Cstrong\u003EGeico\u003C\/strong\u003E for affordable full coverage. Rates for Hawaii drivers who have caused an accident average $2,358 per year, but Geico charges just $1,037 \u2014 56% less.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECost per year\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECost per month\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EGeico\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$1,037\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$86\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EIsland Insurance\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,772\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$148\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,347\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$279\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,241\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$353\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EHawaii average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,358\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$197\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Cost per year\",\"Cost per month\"],[\"\\u003Cstrong\\u003EGeico\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$1,037\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$86\\u003C\\\/strong\\u003E\"],[\"Island Insurance\",\"$1,772\",\"$148\"],[\"Allstate\",\"$3,347\",\"$279\"],[\"State Farm\",\"$4,241\",\"$353\"],[\"Hawaii average\",\"$2,358\",\"$197\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EAverage rates for full coverage increase by about 34% after an at-fault accident. However, insurers penalize accidents to different degrees. Allstate increases rates by over $1,000, from $2,150 before an accident to $3,347 after an accident. Geico, by contrast, raises rates by just over $300, from $705 to $1,037.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeBorder--root ShortcodeBorder--with-padding\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EIf your rate increase is more than you can afford, you should shop around for better rates. You might be able to snag a better deal from a different company.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"speeding\"\u003ECheapest car insurance for people with a speeding ticket: Geico\u003C\/h3\u003E\n\n\u003Cp\u003EHawaii residents who have received a ticket for driving above the speed limit will likely find their best rates with \u003Cstrong\u003EGeico\u003C\/strong\u003E. Geico did not increase annual premiums for our sample Hawaii driver after a speeding ticket, which makes its rates significantly more affordable than its competitors'. At $705 a year and $59 a month, full coverage from Geico is $1,342 cheaper than the state average of $2,047.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECost per year\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECost per month\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EGeico\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$705\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$59\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EIsland Insurance\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,439\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$120\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,036\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$253\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EHawaii average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,047\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$171\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Cost per year\",\"Cost per month\"],[\"\\u003Cstrong\\u003EGeico\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$705\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$59\\u003C\\\/strong\\u003E\"],[\"Island Insurance\",\"$1,439\",\"$120\"],[\"Allstate\",\"$3,036\",\"$253\"],[\"Hawaii average\",\"$2,047\",\"$171\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EWhile a speeding ticket will likely increase your auto insurance rates, it won't increase them as much as an at-fault accident will. Our analysis of average rates in Hawaii found that rates go up by 16% after a speeding ticket, compared to 34% after an at-fault accident.\u003C\/p\u003E\n\n\u003Ch3 id=\"dui\"\u003ECheapest car insurance for drivers with a DUI: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EDriving under the influence (DUI) will cost you the most in terms of increased insurance rates. ValuePenguin's analysis found that while rates jump by 16% after a speeding ticket and 34% after an at-fault accident, they jump by 220% after a DUI, from $1,763 to $5,652. In other words, \u003Cstrong\u003EHawaii drivers with a DUI can expect to pay triple what drivers with a clean record pay\u003C\/strong\u003E.\u003C\/p\u003E\n\n\u003Cp\u003EWe recommend \u003Cstrong\u003EState Farm\u003C\/strong\u003E to Hawaii drivers with a citation for driving under the influence. At $3,872 per year and $323 per month for full coverage, premiums from State Farm are 32% more affordable than the state average.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECost per year\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECost per month\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$3,872\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$323\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$5,016\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$418\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$5,759\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$480\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EHawaii average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$5,652\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$471\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Cost per year\",\"Cost per month\"],[\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$3,872\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$323\\u003C\\\/strong\\u003E\"],[\"Geico\",\"$5,016\",\"$418\"],[\"Allstate\",\"$5,759\",\"$480\"],[\"Hawaii average\",\"$5,652\",\"$471\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\n","padding":"double"}
Cheapest car insurance for young drivers: Geico
Most states charge young drivers far higher rates than adult drivers, but Hawaii breaks with that trend. Full coverage insurance for our sample 18-year-old driver is $1,781 per year — only $18 more expensive than it is for older drivers.
If you're a young driver on the hunt for cheap insurance, check out Geico. The company charges $796 annually ($66 monthly), making a Geico full coverage policy about 55% cheaper than average.
Rank | Insurer | Full coverage | Minimum coverage |
|---|---|---|---|
| 1 | Geico | $796 | $314 |
| 2 | Island Insurance | $1,326 | $425 |
| 3 | Allstate | $2,150 | $851 |
| 4 | State Farm | $3,504 | $1,324 |
| N/A | USAA | $1,128 | $344 |
USAA is excluded from rankings because it is only available to current and former military members and their families.
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Cheapest for young drivers with one accident: Geico
Average rates for young drivers in Hawaii who have caused an accident increase by 32%. Geico has the best rates for teens who find themselves in this predicament. Geico's annual rate is $1,037 for full coverage, which is $1,321 cheaper than average. Island Insurance, the next-cheapest option, is over $700 more expensive per year.
Insurer | Cost per year | Cost per month |
|---|---|---|
| Geico | $1,037 | $86 |
| Island Insurance | $1,772 | $148 |
| Allstate | $3,347 | $279 |
| Hawaii average | $2,358 | $197 |
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Cheapest for young drivers with one speeding ticket: Geico
Geico also has the best rates for young Hawaii drivers who have a speeding ticket on their record. Not only is full coverage from Geico 62% cheaper than average, but our analysis found that the company does not raise rates for young drivers in Hawaii after a speeding ticket.
Insurer | Cost per year | Cost per month |
|---|---|---|
| Geico | $796 | $66 |
| Island Insurance | $1,439 | $120 |
| Allstate | $3,036 | $253 |
| Hawaii average | $2,065 | $172 |
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Premiums for our sample 18-year-old driver with a speeding ticket were about 16% more expensive than premiums for a driver of the same age with a clean record — not ideal, but certainly less expensive than the 32% spike after an at-fault accident.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n \nMost states charge young drivers far higher rates than adult drivers, but Hawaii breaks with that trend. Full coverage insurance for our sample 18-year-old driver is $1,781 per year \u2014 only $18 more expensive than it is for older drivers.\n\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EIf you're a young driver on the hunt for cheap insurance, check out \u003Cstrong\u003EGeico\u003C\/strong\u003E. The company charges $796 annually ($66 monthly), making a Geico full coverage policy about 55% cheaper than average.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ERank\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EFull coverage\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMinimum coverage\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E1\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EGeico\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$796\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$314\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E2\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EIsland Insurance\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,326\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$425\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,150\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$851\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,504\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,324\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EN\/A\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/em\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,128\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$344\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003E\u003Cem\u003EUSAA is excluded from rankings because it is only available to current and former military members and their families.\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Rank\",\"Insurer\",\"Full coverage\",\"Minimum coverage\"],[\"1\",\"\\u003Cstrong\\u003EGeico\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$796\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$314\\u003C\\\/strong\\u003E\"],[\"2\",\"Island Insurance\",\"$1,326\",\"$425\"],[\"3\",\"Allstate\",\"$2,150\",\"$851\"],[\"4\",\"State Farm\",\"$3,504\",\"$1,324\"],[\"N\\\/A\",\"USAA\\u003C\\\/em\\u003E\",\"$1,128\",\"$344\"]],\"footnote\":\"\\u003Cem\\u003EUSAA is excluded from rankings because it is only available to current and former military members and their families.\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003ECheapest for young drivers with one accident: Geico\u003C\/h3\u003E\n\n\u003Cp\u003EAverage rates for young drivers in Hawaii who have caused an accident increase by 32%. \u003Cstrong\u003EGeico\u003C\/strong\u003E has the best rates for teens who find themselves in this predicament. Geico's annual rate is $1,037 for full coverage, which is $1,321 cheaper than average. Island Insurance, the next-cheapest option, is over $700 more expensive per year.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECost per year\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECost per month\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EGeico\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$1,037\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$86\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EIsland Insurance\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,772\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$148\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,347\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$279\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EHawaii average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,358\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$197\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Cost per year\",\"Cost per month\"],[\"\\u003Cstrong\\u003EGeico\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$1,037\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$86\\u003C\\\/strong\\u003E\"],[\"Island Insurance\",\"$1,772\",\"$148\"],[\"Allstate\",\"$3,347\",\"$279\"],[\"Hawaii average\",\"$2,358\",\"$197\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003ECheapest for young drivers with one speeding ticket: Geico\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EGeico\u003C\/strong\u003E also has the best rates for young Hawaii drivers who have a speeding ticket on their record. Not only is full coverage from Geico 62% cheaper than average, but our analysis found that the company does not raise rates for young drivers in Hawaii after a speeding ticket.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECost per year\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECost per month\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EGeico\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$796\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$66\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EIsland Insurance\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,439\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$120\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,036\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$253\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EHawaii average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,065\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$172\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Cost per year\",\"Cost per month\"],[\"\\u003Cstrong\\u003EGeico\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$796\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$66\\u003C\\\/strong\\u003E\"],[\"Island Insurance\",\"$1,439\",\"$120\"],[\"Allstate\",\"$3,036\",\"$253\"],[\"Hawaii average\",\"$2,065\",\"$172\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EPremiums for our sample 18-year-old driver with a speeding ticket were about 16% more expensive than premiums for a driver of the same age with a clean record \u2014 not ideal, but certainly less expensive than the 32% spike after an at-fault accident. \n","padding":"double"}
Best auto insurance companies in Hawaii
USAA is the best car insurance company in Hawaii, according to ValuePenguin's survey of current customers' satisfaction with claims and customer service.
If you're a Hawaii driver who does not qualify for membership with USAA, State Farm is a good alternative option. A significant majority of policyholders said they were "extremely satisfied" with their most recent claims experience.
Overall rank | Group | Percentage of respondents overall extremely satisfied with most recent claim | Percentage of respondents who rated customer service as "excellent" |
|---|---|---|---|
| 1 | USAA | 78% | 62% |
| 2 | State Farm | 73% | 46% |
| 3 | Allstate | 72% | 47% |
| 4 | Geico | 64% | 42% |
| N/A | Island Insurance | N/A | N/A |
Overall rank takes both claim satisfaction and customer service rankings into account.
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State Farm also scored well with the National Association of Insurance Commissioners (NAIC) and J.D. Power. Its NAIC score reflects a lower-than-average number of consumer complaints, and its J.D. Power score indicates a higher-than-average level of customer satisfaction with its claims process.
Given that Geico and Allstate received poorer scores from both the NAIC and J.D. Power, we'd recommend going with State Farm if you prioritize strong customer service above affordable rates.
Insurer | NAIC Complaint Index (lower is better) | J.D. Power claims satisfaction score (higher is better) | AM Best Financial Strength Rating |
|---|---|---|---|
| State Farm | 0.66 | 881 | A++ |
| Geico | 0.76 | 871 | A++ |
| Allstate | 1.07 | 876 | A+ |
| USAA | 0.68 | 890 | A++ |
| Island Premier Insurance Co. | 0.00 | N/A | A |
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All five of the insurers featured in our study received "Superior" (A+ or A++) or "Excellent" (A or A-) ratings from AM Best. These high Financial Strength Ratings indicate the ability to consistently meet insurance obligations.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n \nUSAA is the best car insurance company in Hawaii, according to ValuePenguin's survey of current customers' satisfaction with claims and customer service. \n\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EIf you're a Hawaii driver who does not qualify for membership with USAA, State Farm is a \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Best Car Insurance Companies\" href=\"https:\/\/www.valuepenguin.com\/best-auto-insurance\"\u003Egood alternative option\u003C\/a\u003E\u003C\/span\u003E. A significant majority of policyholders said they were \"extremely satisfied\" with their most recent claims experience.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EOverall rank\u003C\/em\u003E\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EGroup\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EPercentage of respondents overall extremely satisfied with most recent claim\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EPercentage of respondents who rated customer service as \"excellent\"\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E1\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E78%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E62%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E2\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E73%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E46%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E72%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E47%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E64%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E42%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EN\/A\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EIsland Insurance\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EN\/A\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EN\/A\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003E\u003Cem\u003EOverall rank takes both claim satisfaction and customer service rankings into account.\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Overall rank\\u003C\\\/em\\u003E\",\"Group\",\"Percentage of respondents overall extremely satisfied with most recent claim\",\"Percentage of respondents who rated customer service as \\\"excellent\\\"\"],[\"1\",\"USAA\",\"78%\",\"62%\"],[\"2\",\"State Farm\",\"73%\",\"46%\"],[\"3\",\"Allstate\",\"72%\",\"47%\"],[\"4\",\"Geico\",\"64%\",\"42%\"],[\"N\\\/A\",\"Island Insurance\",\"N\\\/A\",\"N\\\/A\"]],\"footnote\":\"\\u003Cem\\u003EOverall rank takes both claim satisfaction and customer service rankings into account.\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EState Farm also scored well with the National Association of Insurance Commissioners (NAIC) and J.D. Power. Its NAIC score reflects a lower-than-average number of consumer complaints, and its J.D. Power score indicates a higher-than-average level of customer satisfaction with its claims process.\u003C\/p\u003E\n\n\u003Cp\u003EGiven that Geico and Allstate received poorer scores from both the NAIC and J.D. Power, we'd recommend going with State Farm if you prioritize strong customer service above affordable rates.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ENAIC Complaint Index (lower is better)\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EJ.D. Power claims satisfaction score (higher is better)\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAM Best Financial Strength Rating\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.66\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E881\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.76\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E871\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E1.07\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E876\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.68\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E890\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EIsland Premier Insurance Co.\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.00\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EN\/A\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"NAIC Complaint Index (lower is better)\",\"J.D. Power claims satisfaction score (higher is better)\",\"AM Best Financial Strength Rating\"],[\"State Farm\",\"0.66\",\"881\",\"A++\"],[\"Geico\",\"0.76\",\"871\",\"A++\"],[\"Allstate\",\"1.07\",\"876\",\"A+\"],[\"USAA\",\"0.68\",\"890\",\"A++\"],[\"Island Premier Insurance Co.\",\"0.00\",\"N\\\/A\",\"A\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EAll five of the insurers featured in our study received \"Superior\" (A+ or A++) or \"Excellent\" (A or A-) ratings from AM Best. These high Financial Strength Ratings indicate the ability to consistently meet insurance obligations. \n","padding":"double"}
Average car insurance cost in Hawaii by city
It's not just how you drive that impacts your auto insurance ratings, but where you live as well. The more populous your city, the higher your rates are likely to be, as it increases your chances of getting in an accident or having your car stolen.
The average insurance rates for full coverage in Anahola, the cheapest city in Hawaii, and Volcano, the most expensive city, differ by $369 per year.
City | Average annual cost | Percentage difference from average |
|---|---|---|
| Anahola | $1,512 | -14.2% |
| Eleele | $1,512 | -14.2% |
| Hanalei | $1,512 | -14.2% |
| Wainiha | $1,512 | -14.2% |
| Hanapepe | $1,512 | -14.2% |
| Princeville | $1,512 | -14.2% |
| Kalaheo | $1,512 | -14.2% |
| Lawai | $1,512 | -14.2% |
| Kapaa | $1,512 | -14.2% |
| Wailua | $1,512 | -14.2% |
| Wailua Homesteads | $1,512 | -14.2% |
| Kaumakani | $1,512 | -14.2% |
Show All Rows
{"alignsHorizontal":["left","right","right"],"alignsVertical":[],"columnWidths":[],"data":[["City","Average annual cost","Percentage difference from average"],["Anahola","$1,512","-14.2%"],["Eleele","$1,512","-14.2%"],["Hanalei","$1,512","-14.2%"],["Wainiha","$1,512","-14.2%"],["Hanapepe","$1,512","-14.2%"],["Princeville","$1,512","-14.2%"],["Kalaheo","$1,512","-14.2%"],["Lawai","$1,512","-14.2%"],["Kapaa","$1,512","-14.2%"],["Wailua","$1,512","-14.2%"],["Wailua Homesteads","$1,512","-14.2%"],["Kaumakani","$1,512","-14.2%"],["Kealia","$1,512","-14.2%"],["Kekaha","$1,512","-14.2%"],["Kilauea","$1,512","-14.2%"],["Koloa","$1,512","-14.2%"],["Omao","$1,512","-14.2%"],["Poipu","$1,512","-14.2%"],["Hanamaulu","$1,512","-14.2%"],["Lihue","$1,512","-14.2%"],["Puhi","$1,512","-14.2%"],["Makaweli","$1,512","-14.2%"],["Waimea","$1,697","-3.7%"],["Aiea","$1,764","0.1%"],["Pearl City","$1,764","0.1%"],["Waimalu","$1,764","0.1%"],["Kapolei","$1,764","0.1%"],["Ko Olina","$1,764","0.1%"],["Haiku","$1,764","0.1%"],["Haiku-Pauwela","$1,764","0.1%"],["Haleiwa","$1,764","0.1%"],["Pupukea","$1,764","0.1%"],["Hana","$1,764","0.1%"],["Hauula","$1,764","0.1%"],["Punaluu","$1,764","0.1%"],["Hoolehua","$1,764","0.1%"],["Kualapuu","$1,764","0.1%"],["Kaaawa","$1,764","0.1%"],["Kahuku","$1,764","0.1%"],["Kahului","$1,764","0.1%"],["Kaneohe Station","$1,764","0.1%"],["Maunawili","$1,764","0.1%"],["Kalaupapa","$1,764","0.1%"],["Ahuimanu","$1,764","0.1%"],["Heeia","$1,764","0.1%"],["Kahaluu","$1,764","0.1%"],["Kaneohe","$1,764","0.1%"],["Waikane","$1,764","0.1%"],["Kaunakakai","$1,764","0.1%"],["Kihei","$1,764","0.1%"],["Wailea","$1,764","0.1%"],["Kunia","$1,764","0.1%"],["Kaanapali","$1,764","0.1%"],["Kapalua","$1,764","0.1%"],["Lahaina","$1,764","0.1%"],["Launiupoko","$1,764","0.1%"],["Mahinahina","$1,764","0.1%"],["Napili-Honokowai","$1,764","0.1%"],["Laie","$1,764","0.1%"],["Lanai City","$1,764","0.1%"],["Haliimaile","$1,764","0.1%"],["Makawao","$1,764","0.1%"],["Olinda","$1,764","0.1%"],["Pukalani","$1,764","0.1%"],["Maunaloa","$1,764","0.1%"],["Paia","$1,764","0.1%"],["Puunene","$1,764","0.1%"],["Wahiawa","$1,764","0.1%"],["Whitmore Village","$1,764","0.1%"],["Mililani","$1,764","0.1%"],["Mililani Mauka","$1,764","0.1%"],["Mililani Town","$1,764","0.1%"],["Waipio Acres","$1,764","0.1%"],["Wheeler AFB","$1,764","0.1%"],["Keokea","$1,764","0.1%"],["Kula","$1,764","0.1%"],["Mokuleia","$1,764","0.1%"],["Waialua","$1,764","0.1%"],["Maili","$1,764","0.1%"],["Makaha","$1,764","0.1%"],["Nanakuli","$1,764","0.1%"],["Waianae","$1,764","0.1%"],["Maalaea","$1,764","0.1%"],["Waihee-Waiehu","$1,764","0.1%"],["Waikapu","$1,764","0.1%"],["Wailuku","$1,764","0.1%"],["Waimanalo","$1,764","0.1%"],["Waimanalo Beach","$1,764","0.1%"],["Halawa","$1,765","0.1%"],["Schofield Barracks","$1,765","0.1%"],["Hickam Housing","$1,766","0.2%"],["Joint Base Pearl Harbor-Hickam (JBPHH)","$1,766","0.2%"],["Wheeler Army Airfield","$1,766","0.2%"],["Fort Shafter","$1,766","0.2%"],["Tripler Army Medical Center","$1,766","0.2%"],["Camp H M Smith","$1,766","0.2%"],["Marine Corps Base Hawaii (MCBH) Kaneohe Bay","$1,766","0.2%"],["Wake Island","$1,766","0.2%"],["Honolulu","$1,767","0.2%"],["Ewa Beach","$1,776","0.7%"],["Ewa Gentry","$1,776","0.7%"],["Ewa Villages","$1,776","0.7%"],["Iroquois Point","$1,776","0.7%"],["Ocean Pointe","$1,776","0.7%"],["West Loch Estate","$1,776","0.7%"],["Royal Kunia","$1,776","0.7%"],["Waikele","$1,776","0.7%"],["Waipahu","$1,776","0.7%"],["Waipio","$1,776","0.7%"],["Makakilo","$1,787","1.4%"],["Kailua","$1,823","3.4%"],["Captain Cook","$1,881","6.7%"],["Honaunau-Napoopoo","$1,881","6.7%"],["Hakalau","$1,881","6.7%"],["Hawaii National Park","$1,881","6.7%"],["Hawi","$1,881","6.7%"],["Hilo","$1,881","6.7%"],["Wainaku","$1,881","6.7%"],["Honalo","$1,881","6.7%"],["Honaunau","$1,881","6.7%"],["Honokaa","$1,881","6.7%"],["Honomu","$1,881","6.7%"],["Hawaiian Ocean View","$1,881","6.7%"],["Ocean View","$1,881","6.7%"],["Waikoloa","$1,881","6.7%"],["Waikoloa Village","$1,881","6.7%"],["Keauhou","$1,881","6.7%"],["Holualoa","$1,881","6.7%"],["Kahaluu-Keauhou","$1,881","6.7%"],["Kailua Kona","$1,881","6.7%"],["Kalaoa","$1,881","6.7%"],["Kamuela","$1,881","6.7%"],["Puako","$1,881","6.7%"],["Hawaiian Paradise Park","$1,881","6.7%"],["Keaau","$1,881","6.7%"],["Orchidlands Estates","$1,881","6.7%"],["Kealakekua","$1,881","6.7%"],["Halaula","$1,881","6.7%"],["Kapaau","$1,881","6.7%"],["Hawaiian Acres","$1,881","6.7%"],["Kurtistown","$1,881","6.7%"],["Laupahoehoe","$1,881","6.7%"],["Fern Acres","$1,881","6.7%"],["Mountain View","$1,881","6.7%"],["Naalehu","$1,881","6.7%"],["Ninole","$1,881","6.7%"],["Ookala","$1,881","6.7%"],["Paauilo","$1,881","6.7%"],["Pahala","$1,881","6.7%"],["Ainaloa","$1,881","6.7%"],["Hawaiian Beaches","$1,881","6.7%"],["Nanawale Estates","$1,881","6.7%"],["Pahoa","$1,881","6.7%"],["Papaaloa","$1,881","6.7%"],["Papaikou","$1,881","6.7%"],["Pepeekeo","$1,881","6.7%"],["Volcano","$1,881","6.7%"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}
Hawaii rate changes by company
In Hawaii, auto insurance providers decreased their premiums in 2020 by 3%, continuing the trend of lower rates from the past two years. State Farm showed the most significant decrease in premiums — its 13.4% price drop was nearly three times greater than the second-closest competitor, Progressive, which reduced rates 4.5% in 2020. However, many insurance providers in Hawaii decided not to change rates at all during 2020. Companies such as Geico and Farmers showed a 0% change in their rates compared to 2019.
Insurer | Premiums written (millions) 2019 | Rate change 2019 | Rate change 2020 |
|---|---|---|---|
| Geico | $222.8 | -0.3% | 0.0% |
| State Farm | $146.3 | -2.6% | -13.4% |
| USAA | $95.4 | 0.0% | 0.0% |
| Allstate | $73.5 | 0.6% | -0.1% |
| Progressive | $61.7 | -1.0% | -4.5% |
| Farmers | $44.3 | 0.0% | 0.0% |
| Liberty Mutual | $39.5 | 0.0% | 0.0% |
| Tokio Marine | $39.5 | 6.0% | 0.0% |
| Island Insurance | $25.0 | 3.6% | 0.0% |
| MS & AD Insurance | $17.6 | 0.0% | 0.0% |
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Minimum requirements for auto insurance coverage in Hawaii
As a no-fault state, Hawaii requires drivers to carry personal injury protection (PIP) as part of minimum insurance requirements, as well as the standard bodily injury and property damage liability coverages that most states require.
Personal injury protection covers any physical injuries sustained by you or your passengers in an accident, as well as any wages you may lose while recovering. This coverage applies no matter who is at fault for the accident.
Liability | Minimum coverage |
|---|---|
| Bodily injury (BI) | $20,000 per person and $40,000 per accident |
| Property damage (PD) | $10,000 per accident |
| Personal injury protection (PIP) | $10,000 per accident |
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{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EAs a \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"What is No Fault Insurance?\" href=\"https:\/\/www.valuepenguin.com\/no-fault-auto-insurance\"\u003Eno-fault state\u003C\/a\u003E\u003C\/span\u003E, Hawaii requires drivers to carry personal injury protection (PIP) as part of minimum insurance requirements, as well as the standard bodily injury and property damage liability coverages that most states require.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"What is Personal Injury Protection (PIP) Car Insurance and Should You Have It?\" href=\"https:\/\/www.valuepenguin.com\/personal-injury-protection-car-insurance\"\u003EPersonal injury protection\u003C\/a\u003E\u003C\/span\u003E covers any physical injuries sustained by you or your passengers in an accident, as well as any wages you may lose while recovering. This coverage applies no matter who is at fault for the accident.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ELiability\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMinimum coverage\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EBodily injury (BI)\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$20,000 per person and $40,000 per accident\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EProperty damage (PD)\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$10,000 per accident\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EPersonal injury protection (PIP)\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$10,000 per accident\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Liability\",\"Minimum coverage\"],[\"\\u003Cstrong\\u003EBodily injury (BI)\\u003C\\\/strong\\u003E\",\"$20,000 per person and $40,000 per accident\"],[\"\\u003Cstrong\\u003EProperty damage (PD)\\u003C\\\/strong\\u003E\",\"$10,000 per accident\"],[\"\\u003Cstrong\\u003EPersonal injury protection (PIP)\\u003C\\\/strong\\u003E\",\"$10,000 per accident\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\n","padding":"double"}
Recap of the cheapest auto insurance in Hawaii
- Minimum coverage: Geico
- Full coverage: Geico
- After an at-fault accident: Geico
- After a speeding ticket: Geico
- After a DUI: State Farm
- Young drivers: Geico
- Young drivers with one accident: Geico
- Young drivers with a speeding ticket: Geico
Methodology
We collected thousands of rates from ZIP codes across Hawaii for the largest 10 insurers. We used a sample driver with the following profile:
- 30-year-old man
- Drives a 2015 Honda Civic EX
- Average credit
The base policy for the study was a full-coverage policy with the following limits:
Coverage type | Study limits |
|---|---|
| Bodily liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $10,000 |
| Property damage | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
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For our minimum-coverage policy, we quoted a policy with the minimum required limits in Hawaii, above.
For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated to reflect the new driver.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.