Who Has the Cheapest Car Insurance Quotes in Hawaii? (2022)

Who Has the Cheapest Car Insurance Quotes in Hawaii? (2022)

Geico has the cheapest car insurance quotes in Hawaii at $274 per year and $23 per month for minimum liability coverage.

Currently insured?
It's free, simple and secure.
{"eventCategory":"Visual TOC Item","eventLabel":"Cheapest for minimum liability","cloudinaryImageName":"referral_logos\/us\/insurance\/geico-5","link":"#cheapest-companies","linkText":"Cheapest for minimum liability"}
{"eventCategory":"Visual TOC Item","eventLabel":"Best company overall","cloudinaryImageName":"referral_logos\/us\/insurance\/usaa-3","link":"#best","linkText":"Best company overall"}

In Hawaii, we found that average quotes fluctuated by over $1,000 for a minimum coverage policy and $2,800 for a full coverage policy. The best way to get the cheapest rates is to compare quotes from multiple insurers.

Cheapest car insurance quotes in Hawaii: Geico

Geico has the best cheap car insurance in Hawaii at $274 per year and $23 per month for minimum liability coverage. Geico's average rate is 57% cheaper than the state average and $150 less than the second-cheapest insurer, Island Insurance.

The average cost of car insurance in Hawaii is $639 per year, or $53 per month, for minimum liability.

Cheapest car insurance companies in Hawaii

Find Cheap Auto Insurance Quotes in Hawaii

Currently insured?
No spam. No hassle. No hidden costs.
Company
Annual rate
Monthly rate
Geico$275$23
Island Insurance$425$35
Allstate$809$67
State Farm$1,324$110
USAA$356$30

*USAA is only available to current and former military members and their families.

For drivers who prioritize affordability, purchasing minimum coverage insurance might seem like the best option. However, you get what you pay for: In Hawaii, a minimum coverage policy only pays for injuries resulting from an accident or damage to the other driver's car or property. It does not include protection for damage to your vehicle.

We recommend purchasing a full coverage auto insurance policy rather than a minimum coverage policy.

{"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Cp\u003EFor drivers who prioritize affordability, purchasing \u003Cstrong\u003Eminimum coverage\u003C\/strong\u003E insurance might seem like the best option. However, you get what you pay for: In Hawaii, a minimum coverage policy only pays for injuries resulting from an accident or damage to the other driver's car or property. It does not include protection for damage to your vehicle.\u003C\/p\u003E\n\n\u003Cp\u003EWe recommend purchasing a \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"What is Full Coverage Car Insurance?\" href=\"https:\/\/www.valuepenguin.com\/what-full-coverage-car-insurance\"\u003Efull coverage auto insurance policy\u003C\/a\u003E\u003C\/span\u003E rather than a minimum coverage policy. \n","padding":"double"}

Cheapest full coverage car insurance: Geico

A full coverage car insurance policy costs an average of $1,750 per year, or $146 per month. Geico again provides Hawaii drivers with the best value, with quotes that are 60% — or $1,042 — cheaper than the state average.

Company
Annual rate
Monthly rate
Geico$708$59
Island Insurance$1,326$111
Allstate$2,044$170
State Farm$3,521$293
USAA$1,143$95

*USAA is only available to current and former military members and their families.

Full coverage car insurance includes collision and comprehensive coverage as well as the state minimum requirements, which means that your policy will cover repairs to your car and the other driver's car.

Cheap car insurance quotes for drivers with prior incidents

Annual rates usually rise if incidents such as a speeding ticket, an at-fault accident or driving under the influence (DUI) appear on your driving record. Insurers see these incidents as signs that you are a high-risk driver, and they will increase your 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

Currently insured?
No spam. No hassle. No hidden costs.
Geico logo

Cheapest car insurance after a speeding ticket: Geico

Hawaii residents who have received a speeding ticket will likely find their best rates with Geico. The company did not increase annual premiums after a speeding ticket, which makes its rates significantly more affordable than its competitors'. At $708 a year and $59 a month, full coverage from Geico is $1,318 cheaper than the state average of $2,024.

Company
Annual rate
Monthly rate
Geico$708$59
Island Insurance$1,439$120
Allstate$2,886$241
State Farm$3,890$324
USAA$1,198$100

*USAA is only available to current and former military members and their families.

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 a 33% increase after an at-fault accident.

Geico logo

Cheapest car insurance after 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 car insurance. Rates for Hawaii drivers who have caused an accident average $2,335 per year, however Geico's rates are 55% lower at just $1,041 a year.

Company
Annual rate
Monthly rate
Geico$1,041$87
Island Insurance$1,772$148
Allstate$3,189$266
State Farm$4,262$355
USAA$1,411$118

*USAA is only available to current and former military members and their families.

Average rates for full coverage increase by about $582 a year after an at-fault accident. However, insurers penalize accidents to different degrees. Allstate increases rates by more than $1,100, from $2,049 before an accident to $3,189 after an accident. In contrast, Geico raises rates by $333, from $708 to $1,041.

If your rate increase is more than you can afford, you should shop around for better rates. You might be able to find a better deal from a different company.

Geico logo

Cheapest car insurance after a DUI: Geico

Driving under the influence (DUI) will raise your insurance rates more than any other traffic violation. At $5,037 per year and $420 per month for full coverage car insurance, Geico offers the best rates for drivers in Hawaii with one DUI citation. The company's rates are 23% more affordable than the state average.

A driver in Hawaii with a DUI can expect to pay almost three times as much as a driver with a clean record.

Company
Annual rate
Monthly rate
Geico$5,037$420
Allstate$5,487$457
State Farm$8,544$712
Island Insurance$11,331$944
USAA$2,305$192

*USAA is only available to current and former military members and their families.

We found that while rates increase by 16% after a speeding ticket and 33% after an at-fault accident, they rise from $1,750 to $6,541 after a DUI — a 273% increase.

Cheapest car insurance for young drivers in Hawaii: Geico

If you're a young driver on the hunt for cheap insurance, consider getting a quote from Geico. The company charges $314 a year for state minimum coverage and $796 a year for a full coverage policy — over 50% below average for both options.

Company
Liability only
Full coverage
Geico$314$796
Island Insurance$425$1,326
Allstate$809$2,044
State Farm$1,324$3,521
USAA$356$1,143

*USAA is only available to current and former military members and their families.

Most states charge young drivers far higher rates than adult drivers, but Hawaii breaks with that trend.

Minimum coverage insurance for our sample 18-year-old driver is $645 per year — only $6 more expensive than it is for older drivers.

Geico logo

Cheapest car insurance quotes for teen drivers after a ticket: Geico

Geico also has the best rates for young drivers in Hawaii who have a speeding ticket on their records. Not only is minimum coverage auto insurance from Geico 59% cheaper than average, but our analysis also found that the company does not raise rates for young drivers after one speeding ticket.

Company
Annual rate
Monthly rate
Geico$313$26
Island Insurance$460$38
Allstate$1,227$102
State Farm$1,469$122
USAA$374$31

*USAA is only available to current and former military members and their families.

Insurance costs for an 18-year-old driver with a speeding ticket were about 19% more expensive than rates for a driver of the same age with a clean record — not ideal, but certainly less expensive than the 35% increase after an at-fault accident.

Geico logo

Cheapest car insurance for young drivers after an accident: Geico

Average rates for young drivers in Hawaii who have caused an accident increase by 35%. Geico has the best rates for teens who find themselves in this predicament. Geico's annual rate is $417 for minimum coverage insurance, which is $454 cheaper than average. Island Insurance, the next-cheapest option, is $150 more expensive per year.

Company
Annual rate
Monthly rate
Geico$417$35
Island Insurance$570$48
Allstate$1,305$109
State Farm$1,615$135
USAA$450$38

*USAA is only available to current and former military members and their families.

Best car insurance companies in Hawaii

USAA is the best car insurance company in Hawaii, according to its best-in-class J.D. Power customers satisfaction score, top financial stability marks and our editor's rating.

If you're a Hawaii driver who does not qualify for membership with USAA, State Farm is a good alternative option that also offers some of the cheapest quotes in the state.

Company
Editor's rating
JD Power
AM Best
Geico
828A++
State Farm
818A++
Allstate
803A+
Island InsuranceNRNRA
USAA
870A++

All five of the insurers featured in our study received "superior" (A+ or A++) or "excellent" (A) ratings from AM Best. These high financial strength ratings indicate the ability to consistently meet insurance obligations.

Average car insurance cost in Hawaii by city

Car insurance quotes in Hawaii don't fluctuate significantly from city to city. There is only a $362-a-year difference between the most and least expensive locations.

Of the 76 cities we studied, 22 have access to the cheapest full coverage auto insurance in the state at $1,500 per year — the largest of which is Kapaa.

On the other hand, drivers in 44 cities pay the highest rates in Hawaii, including those living in the fourth-largest city in the state, Hilo.

City
Average annual cost
Difference from average
Ahuimanu$1,7500%
Aiea$1,7500%
Ainaloa$1,8627%
Anahola$1,500-14%
Camp H M Smith$1,7510%
Show All Rows

Minimum requirements for auto insurance coverage in Hawaii

As a no-fault state, Hawaii requires drivers to carry personal injury protection 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 lost wages while you recover. This protection applies no matter who is at fault for the accident.

Liability
Minimum coverage
Bodily injury (BI)$20,000 per person/$40,000 per accident
Property damage (PD)$10,000 per accident
Personal injury protection (PIP)$10,000 per accident

Frequently asked questions about Hawaii car insurance

How does Hawaii no-fault car insurance work?

In Hawaii's no-fault system, your insurance will pay for the injuries you and your passengers suffer, up to your personal injury protection (PIP) limit. You also cannot be sued unless there are serious injuries.

Is car insurance more expensive in Hawaii?

No, car insurance rates in Hawaii are 19% cheaper than the national average for minimum liability coverage and 11% cheaper for full coverage.

How much is car insurance in Hawaii?

The average price for minimum car insurance in Hawaii is $637 per year, while full coverage costs an average of $1,750 per year.

Are cars in Hawaii insured for volcanoes?

In general, car insurance will cover damage caused by volcanoes, if you have comprehensive coverage. However, if your car is damaged by wind damage or ash buildup after an initial eruption, you might not be covered.

Methodology

We collected thousands of quotes from ZIP codes across Hawaii for five of the largest insurers for a typical driver:

  • 30-year-old man
  • Drives a 2015 Honda Civic EX
  • Average credit

Full coverage auto insurance quotes include higher levels of coverage:

Coverage
Limit
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

For our minimum coverage policy, we referenced the minimum required limits in Hawaii, cited above.

Rate data for this study was collected from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.