Who Has the Cheapest Car Insurance Quotes in Hawaii?

Who Has the Cheapest Car Insurance Quotes in Hawaii?

Find Cheap Auto Insurance Quotes in Hawaii

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The average cost of car insurance in Hawaii is $475 per year for a minimum coverage policy, but insurance prices can vary greatly depending on your insurance company.

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Even for a given insurance company, prices will vary greatly, sometimes by more than $1,000, depending on your location, driver history and chosen coverage.

Read on for our analysis and recommendations for the cheapest and best car insurance companies in Hawaii, or enter your ZIP code above to compare rates for multiple insurers.

Cheapest auto insurance companies in Hawaii for minimum coverage

The cheapest available car insurance policies in Hawaii are minimum coverage policies. In other words, policies that only meet the state-mandated minimum coverage limits required of any driver.

On average, USAA and Island Insurance offer Hawaiians the cheapest minimum coverage policies.

USAA—which is only available to eligible military service members and veterans—cost our sample driver $328 per year on average. Island Insurance was the second most affordable at $425 per year. The average across all our sample insurers was $475 per year.

In this graph we show the cheapest car insurance rates out of companies in our Hawaii analysis for our sample driver

Find Cheap Auto Insurance Quotes in Hawaii

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A minimum coverage car insurance policy will ensure you're in compliance with Hawaii auto insurance laws, but it may not provide sufficient protection in the event of a major accident. As a rule of thumb, make sure you buy high enough liability limits (per accident) to cover your net worth.

RankCompanyAnnual premium
1USAA$328
2Island Insurance Group$425
3State Farm$505
4GEICO$523
5Allstate$596

Cheapest full coverage car insurance in Hawaii: USAA

A minimum coverage policy in Hawaii protects you against liability costs and medical bills for you and your passengers. Full coverage policies add comprehensive and collision insurance, which covers damages to your car in on and off-road incidents, regardless of fault.

On average, Hawaiians can find the cheapest full coverage car insurance with USAA or Island Insurance.

  • Our sample driver with a clean record paid $1,122 per year for a full coverage policy with USAA.
  • The same driver paid $1,329 per year on average with Island Insurance.
  • GEICO ranked as a close third for cheapest full coverage policy, with the driver paying $1,335 per year.

The average cost of our sample Hawaii full coverage policy was $1,340 per year across all sample insurers.

Drivers with newer or more valuable cars should consider purchasing full coverage. A good rule of thumb: If the value of your car is greater than the annual cost of adding comprehensive and collision insurance (plus your deductible), you should consider getting a full coverage policy.

Cheapest full coverage car insurance in Hawaii after a driver is in an accident: USAA

If you have accidents or violations in your driving history, you'll pay higher car insurance rates than if you have a clean record.

When we collected car insurance quotes for the same driver with an at-fault accident on his record, USAA remained the cheapest option. State Farm was the second most affordable option.

Although State Farm was one of the more expensive major insurance companies in Hawaii for drivers with a clean record, it penalized drivers for an accident less than rival insurers such as GEICO and Island Insurance.

RankCompanyRates after accidentRates before accidentDifference
1USAA$1,382$1,122$260
2State Farm$1,624$1,348$276
3GEICO$1,740$1,335$405
4Island Insurance Group$1,775$1,329$446
5Allstate$2,419$1,569$850

On average, these Hawaii insurance companies charged our driver 32% more when he had an accident on his record. State Farm and USAA had the smallest penalties, with rates 21% and 23% higher, respectively, than the initial insurance quotes given for a driver with a clean record.

Best auto insurance companies in Hawaii

Hawaiian drivers—like drivers anywhere—want to save money on their car insurance policies. But you don't want to sacrifice great service, which is perhaps the most important quality of an insurance company, in the quest for the cheapest possible price.

We've rated Hawaiian auto insurers based on two measures of customer satisfaction: our own consumer survey and customer complaints.

According to our consumer survey, USAA ranks as the best major auto insurance company in Hawaii, meaning the company offers both affordability across a range of different drivers and great service.

Ranked by customer complaint rate, the best auto major auto insurance companies in Hawaii are First Insurance Company of Hawaii, Island Insurance and DTRIC Insurance.

Read on to see how all our sample companies rank by our consumer survey or by customer complaint data.

Best auto insurance in Hawaii: ValuePenguin consumer survey

ValuePenguin commissioned a survey to measure customer service and claim satisfaction among some of the biggest insurance companies in the country.

Of the major insurance companies in Hawaii, USAA was the clear winner. More customers said it had excellent customer service and great claim results than any other qualifying insurance company.

RankCompany% who say customer service is excellent% extremely satisfied with most recent claimOverall customer satisfaction
1USAA62%78%70%
2Allstate47%72%60%
3State Farm46%73%60%
4Progressive34%74%54%
5GEICO42%65%54%
N/AIsland InsuranceN/AN/AN/A
Island Insurance was not included in the customer survey due to its smaller size compared to major national insurers. Overall customer satisfaction is an average of the two independent measures of customer satisfaction.

Best auto insurance in Hawaii: By customer complaints

The National Association of Insurance Commissioners collects official complaints made by customers against their insurance companies. A lack of complaints indicates a company provides better service for its customers.

Based on a lack of customer complaints, the best car insurance companies in Hawaii are First Insurance Company of Hawaii, Island Insurance and DTRIC Insurance. These three locally based insurers had zero official complaints lodged against them in 2018.

The worst companies in the state for customer complaints were Allstate, Liberty Mutual and Farmers Insurance. These companies had complaint indexes above the national median of 1.0 in 2018, meaning that customers complained about them more than the median insurance company.

RankGroupMarket shareComplaint index
1 (tie)Tokio Marine (First Insurance Company of Hawaii)7.3%0
1 (tie)Island Insurance Group4.4%0
1 (tie)MS&AD Insurance (DTRIC Insurance)2.9%0
4Progressive6.6%0.42
5State Farm16.3%0.57
6GEICO23.6%0.72
7USAA10.3%0.83
8Allstate Corp8.0%1.25
9Liberty Mutual4.3%1.78
10Farmers Insurance (21st Century Centennial Insurance Co.)5.4%2.02
If an insurance company's name differs from its parent group, it is noted in parentheses. “Complaint index” indicates the rate of consumer complaints compared to a national median of 1.0. A company with a complaint index of 0.5 receives half as many complaints than the median insurance company, adjusted for its size.

Auto insurance in Hawaii: Minimum coverage requirements

Like almost all states, Hawaii requires a certain amount of liability coverage in its car insurance policies. But Hawaii is one of 12 states to also require personal injury protection, which provides insurance for medical expenses for you and your passengers if you're injured in an accident, regardless of fault.

Below we've listed the coverage limits of a Hawaii minimum coverage policy. For greater detail, you can read our dedicated page on Hawaii's minimum requirements.

Hawaii minimum coverage requirements:

  • Bodily injury liability: $20,000 per person / $40,000 per accident
  • Property damage liability: $10,000 per accident
  • Personal injury protection: $10,000 per accident

Cheapest car insurance rates in Hawaii: By county

We collected insurance quotes from 100 ZIP codes in Hawaii, but location only affected insurance prices for our sample driver when he crossed county lines.

Below we've compiled average insurance quotes for these insurance companies in the four counties in the state with significant populations: Hawaii County, Honolulu County, Kauai County and Maui County. Quotes are for a full coverage policy.

Across all counties, USAA is the cheapest insurer for our sample driver. If you don't qualify for a USAA policy, State Farm, GEICO and Island Insurance were the next-cheapest companies, depending on your county.

CountyCompanyAnnual premium
Hawaii CountyUSAA$1,145
Island Insurance Group$1,342
State Farm$1,414
GEICO$1,462
Allstate$1,784
Honolulu CountyUSAA$1,205
GEICO$1,283
Island Insurance Group$1,350
State Farm$1,354
Allstate$1,516
Kauai CountyUSAA$947
State Farm$1,153
GEICO$1,201
Island Insurance Group$1,226
Allstate$1,304
Maui CountyUSAA$1,027
GEICO$1,334
Island Insurance Group$1,349
State Farm$1,393
Allstate$1,536

Average cost of car insurance in Hawaii: By county

Insurance prices can differ greatly by company, but the average cost of your policy can also vary hundreds of dollars just based on the county in which you reside.

Below we've compared insurance costs in Hawaii on a county level.

  • Kauai County is the cheapest county in the state to purchase auto insurance, with average rates of $1,166 per year.
  • Hawaii County is the state's most expensive location; average rates were $1,429 per year.

Below, counties are ordered from cheapest to most expensive.

RankCountyAverage annual premium
1Kauai County$1,166
2Maui County$1,328
3Honolulu County$1,342
4Hawaii County$1,429

Methodology

For this study, we collected quotes from five major Hawaii insurance companies in 100 ZIP codes. The quote was for a 30-year-old male driver with 2015 Honda Civic EX.

When obtaining quotes, we used two policies: One was a policy meeting only the minimum coverage requirements of Hawaii state law. The other was a full coverage policy with higher liability limits. The type of policy can be identified within each individual section of the study. The full coverage policy had the following limits:

Coverage typeStudy limits
Bodily liability$50,000 per person / $100,000 per accident
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person / $100,000 per accident
Comprehensive and collision$500 deductible

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.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

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.