Cheapest Car Insurance Quotes in Hawaii (2026)
Geico has the cheapest car insurance quotes in Hawaii, at $77 per month for full coverage.
Find Cheap Car Insurance Quotes in Hawaii
Best cheap car insurance in HI
Geico and Farmers are the cheapest car insurance companies in Hawaii.
- Want full coverage? Geico: $77/mo
- Only need minimum coverage? Geico: $23/mo
- Want the best service? State Farm: $161/mo
- Have a speeding ticket? Geico: $77/mo
- Caused an accident? Geico: $113/mo
- Need coverage for a teen? Geico: $26/mo
- Got a DUI? Farmers: $244/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest full coverage car insurance in Hawaii: Geico
Geico has the cheapest full coverage car insurance in Hawaii.
- Geico charges around $77 per month for a full coverage policy in Hawaii. That's a savings of around 49% compared to the state average.
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State Farm may be a better choice if you're willing to pay more for great service. At $161 per month, full coverage from State Farm is more than twice as expensive as Geico.
But it's still the third-cheapest generally available option, and its better customer service may be worth the extra cost if you're ever in an accident.
Find Cheap Car Insurance Quotes in Hawaii
Cheapest Hawaii auto insurance quotes for full coverage
Company | Monthly rate |
|---|---|
| Geico | $77 |
| Progressive | $155 |
| State Farm | $161 |
| Farmers | $172 |
| USAA* | $112 |
*USAA is only available to current and former military members and their families.
Data-powered research on Hawaii car insurance
Cheapest liability insurance quotes in Hawaii: Geico
Geico has the cheapest minimum liability car insurance in Hawaii. At $23 per month, Hawaii drivers could save around 54% by choosing Geico.
Cheap car insurance companies in Hawaii for minimum coverage
Company | Monthly rate |
|---|---|
| Geico | $23 |
| Farmers | $51 |
| State Farm | $57 |
| Progressive | $63 |
| USAA* | $0 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Hawaii
Auto insurance rates in Hawaii by city
Many of the most expensive cities for car insurance in the state of Hawaii are on the island of Hawaiʻi, often called "The Big Island."
The cheapest rates tend to be on the island of Kauai.
Car insurance quotes in Hawaii don't vary much from city to city or island to island. There is only a difference of $32 per month between the most and least expensive cities in the state.
Average Hawaii auto insurance quotes by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Ahuimanu | $167 | Geico | $74 |
| Aiea | $167 | Geico | $74 |
| Ainaloa | $179 | Geico | $85 |
| Anahola | $147 | Geico | $71 |
| Camp H. M. Smith | $167 | Geico | $74 |
| Captain Cook | $179 | Geico | $85 |
| Eleele | $147 | Geico | $71 |
| Ewa Beach | $168 | Geico | $74 |
| Ewa Gentry | $168 | Geico | $74 |
| Ewa Villages | $168 | Geico | $74 |
| Fern Acres | $179 | Geico | $85 |
| Fort Shafter | $167 | Geico | $74 |
| Haiku | $160 | Geico | $77 |
| Haiku-Pauwela | $160 | Geico | $77 |
| Hakalau | $179 | Geico | $85 |
| Halaula | $179 | Geico | $85 |
| Halawa | $167 | Geico | $74 |
| Haleiwa | $167 | Geico | $74 |
| Haliimaile | $160 | Geico | $77 |
| Hana | $160 | Geico | $77 |
| Hanalei | $147 | Geico | $71 |
| Hanamaulu | $147 | Geico | $71 |
| Hanapepe | $147 | Geico | $71 |
| Hauula | $167 | Geico | $74 |
| Hawaii National Park | $179 | Geico | $85 |
| Hawaiian Acres | $179 | Geico | $85 |
| Hawaiian Beaches | $179 | Geico | $85 |
| Hawaiian Ocean View | $179 | Geico | $85 |
| Hawaiian Paradise Park | $179 | Geico | $85 |
| Hawi | $179 | Geico | $85 |
| Heeia | $167 | Geico | $74 |
| Hickam Housing | $167 | Geico | $74 |
| Hilo | $179 | Geico | $85 |
| Holualoa | $179 | Geico | $85 |
| Honalo | $179 | Geico | $85 |
| Honaunau | $179 | Geico | $85 |
| Honaunau-Napoopoo | $179 | Geico | $85 |
| Honokaa | $179 | Geico | $85 |
| Honolulu | $167 | Geico | $74 |
| Honomu | $179 | Geico | $85 |
| Hoolehua | $156 | Geico | $77 |
| Iroquois Point | $168 | Geico | $74 |
| JBPHH | $167 | Geico | $74 |
| Kaaawa | $167 | Geico | $74 |
| Kaanapali | $160 | Geico | $77 |
| Kahaluu | $167 | Geico | $74 |
| Kahaluu-Keauhou | $179 | Geico | $85 |
| Kahuku | $167 | Geico | $74 |
| Kahului | $160 | Geico | $77 |
| Kailua | $173 | Geico | $79 |
| Kailua Kona | $179 | Geico | $85 |
| Kalaheo | $147 | Geico | $71 |
Best car insurance in Hawaii: State Farm
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Full coverage rate$161/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
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Claims processGoodClaims rating is based on J.D. Power's claims satisfaction survey.
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AM Best ratingA++An A financial strength rating means that a company has an excellent ability to pay customer claims, even in difficult financial situations. This is the third-highest rating available.
The author, Lindsay Bishop, chose the best car insurance companies in Hawaii based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Hawaii
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheapest car insurance rates in HI after a speeding ticket: Geico
Geico has the cheapest quotes after a speeding ticket in Hawaii, at $77 per month for a full coverage policy. That's a savings of around 57% compared to the state average. It's also $95 per month less than the second-cheapest option, Farmers.
Cheapest car insurance with a ticket in Hawaii
Company | Monthly rate |
|---|---|
| Geico | $77 |
| Farmers | $172 |
| State Farm | $178 |
| Progressive | $213 |
| USAA* | $118 |
*USAA is only available to current and former military members and their families.
Rates in Hawaii go up by 19% after a speeding ticket, on average. However, not all companies raise rates by the same amount. Geico and Farmers might not raise rates after a single speeding ticket, but quotes from Allstate increase by 42%.
Cheapest car insurance after an accident in Hawaii: Geico
Geico is the cheapest option after an at-fault accident in Hawaii. At $113 per month, Hawaii drivers can save around 46% compared to the state average by choosing a full coverage policy from Geico after a crash.
Cheap full coverage insurance in HI after an accident
Company | Monthly rate |
|---|---|
| Geico | $113 |
| State Farm | $194 |
| Farmers | $228 |
| Progressive | $234 |
| USAA* | $140 |
*USAA is only available to current and former military members and their families.
Full coverage rates go up by an average of $60 per month after an at-fault accident.
Tips for finding cheap insurance after a crash in Hawaii
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If your rate goes up more than you can afford when it's time for your policy to renew after an accident, you should shop around for better rates.
There's a difference of $244 per month between the most and least expensive companies in Hawaii after an accident. That means you could save more than $2,900 per year just by shopping around for the best rate.
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If you're not already, consider bundling your home or renters insurance with your auto policy.
Bundling discounts typically offer some of the biggest savings, with some companies offering as much as 23% or more off your combined home and auto insurance bill.
Best car insurance for young drivers in Hawaii: Geico
- Geico has the cheapest minimum liability insurance for teens in Hawaii, at $26 per month. That's less than half the state average.
- Geico also has the cheapest full coverage rates for teens, at $87 per month, which is 6% less than the state average.
Cheapest car insurance rates for Hawaii teens
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $26 | $87 |
| Farmers | $51 | $172 |
| State Farm | $57 | $161 |
| Allstate | $73 | $228 |
| USAA* | $33 | $112 |
*USAA is only available to current and former military members and their families.
Most states charge teen drivers much higher rates than adults, but that's not the case in Hawaii.
Minimum coverage insurance for an 18-year-old driver in Hawaii is $54 per month, on average. That's only $4 per month more expensive than it is for a 30-year-old driver.
Hawaii is one of only two states, along with Massachusetts, that don't allow insurance companies to set rates based on age. So the small difference in rates is likely because an 18-year-old has had a driver's license for fewer years than a 30-year-old.
Cheapest rates for Hawaii teens with a ticket or accident: Geico
- Speeding ticket: Geico has the cheapest car insurance for teens with a recent speeding ticket in Hawaii, at $26 per month for a minimum liability policy. That's a savings of around 60%, compared to the state average, and half the price of the second-cheapest company, Farmers.
- Accident: Geico also has the cheapest rates after an accident in Hawaii, at $35 per month for minimum coverage. That's 47% less than average.
Cheap quotes for teens after a speeding ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Geico | $26 | $35 |
| Farmers | $51 | $68 |
| State Farm | $63 | $69 |
| Progressive | $103 | $114 |
| USAA* | $35 | $42 |
*USAA is only available to current and former military members and their families.
Minimum coverage insurance for an 18-year-old driver with a speeding ticket is 21% more expensive than rates for a driver with a clean record. And teens pay an average of 39% more for insurance after an accident.
Cheapest car insurance in HI after a DUI: Farmers
Farmers is the cheapest option for drivers with a DUI in Hawaii. At $244 per month, you could save around 36% on full coverage by choosing Farmers, compared to the state average.
Cheapest Hawaii car insurance quotes after a DUI
Company | Monthly rate |
|---|---|
| Farmers | $244 |
| Progressive | $265 |
| State Farm | $396 |
| Geico | $546 |
| USAA* | $229 |
*USAA is only available to current and former military members and their families.
Hawaii drivers with a DUI pay more than twice as much for full coverage as drivers with clean records.
Is your car insurance company raising rates in Hawaii in 2026?
A few car insurance companies have raised rates in Hawaii in 2026, including the cheapest company in the state, Geico.
- ↑ Biggest increase: Tokio Marine at +7.8%
- ↑ 2nd biggest increase: Geico at +4%
Company | 2026 rate change | 5-year rate change |
|---|---|---|
| Tokio Marine | ↑ 7.8% | ↑ 8.2% |
| Geico | ↑ 4.0% | ↓ 1.6% |
| USAA | ↑ 3.5% | ↑ 14.8% |
| American Family | ↑ 0.5% | ↑ 29.1% |
| Allstate | ↑ 0.2% | ↑ 16.1% |
| Island Insurance | 0.0% | 0.0% |
| Travelers | 0.0% | 0.0% |
| MS&AD Insurance | 0.0% | ↑ 0.3% |
| AAA | 0.0% | ↑ 4.0% |
| Progressive | 0.0% | ↑ 5.8% |
| Farmers | 0.0% | ↑ 10.8% |
| State Farm | 0.0% | ↑ 18.9% |
| Liberty Mutual | 0.0% | ↑ 19.9% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
Don't rush to find a new insurance company just because your bill went up. Even companies that haven't yet had a rate hike in 2026 still tend to raise their auto insurance rates over time.
For example, as of July, Geico has increased its car insurance rates by 4% in 2026. But the company has actually lowered rates by 1.6% during the last five years, and it's the only company to lower rates in Hawaii over that time period.
In comparison, American Family has raised rates by 29% over the same time period.
How much car insurance coverage do I need in Hawaii?
Hawaii car insurance laws require drivers to have a minimum amount of bodily injury and property damage liability coverage. This is sometimes written as 20/40/10.
As a no-fault state, the Hawaii Department of Insurance also requires drivers to have personal injury protection (PIP) coverage. Personal injury protection pays your medical bills if you or your passengers are hurt in an accident, regardless of whose fault it was. It also covers any lost wages while you recover.
- Bodily injury liability: $20,000 per person and $40,000 per accident
- Property damage liability: $10,000 per accident
- Personal injury protection: $10,000 per accident
There are three alternative ways you can prove your financial responsibility — ability to pay for your negligence or operational mistake — in Hawaii. However, note that with these alternatives, you will be lacking the no-fault insurance (PIP) that a car insurance policy extends. Your county's vehicle licensing division will grant your registration and/or renewal if you provide one of the following:
Surety bond: A surety bond issued by a licensed surety company in Hawaii must be good for payment whenever you cause an accident, in the same amounts as a minimum insurance policy's liability coverage (20/40/10). You'll need to file the bond with your county's director of finance.
Real estate bond: A real estate bond is signed by two individuals, both of whom own real estate in Hawaii. They must list their real estate on the bond as collateral for you, in case you fail to pay for the damages you cause in an accident. Your liability under this bond is still the same as a minimum policy's BI and PD, and the two individuals will risk losing their listed property if neither you nor they respond to a court judgment against you in time. Your real estate bond is only valid after it is approved by Hawaii's commissioner of insurance.
Certificate of deposit: A $25,000 deposit in cash or bonds can be filed with the director of finance in your county of residence. You must also provide proof, along with your deposit, that you do not have any unpaid charges from previous accidents. This deposit will be used to satisfy future judgments against you in case you cause an accident.
People caught driving without insurance in Hawaii face significant penalties. You could face fines of up to $5,000, community service, license suspension for up to one year and even jail time of up to 30 days.
Potential fines and penalties for driving without insurance in HawaiiFirst offense:
- Fine: $500, but the court may give the option to do community service instead of paying the fine
- Driver's license suspension: Three months
- Other fees: $25 fee for lapse in insurance, $60 for registration reinstatement, $200 for driver's license reinstatement
Second offense:
- Fine: $1,500 to $5,000, but the court may give the option to do community service instead of paying the fine
- Driver's license suspension: One year
- Imprisonment: Up to 30 days in jail
- Other penalties: Registration suspension
Third and subsequent offenses:
- Fine: $1,500 to $5,000, but the court may give the option to do community service instead of paying the fine
- Driver's license suspension: One year
- Imprisonment: Up to 30 days in jail
- Other penalties: Registration suspension
In Hawaii, it's illegal for car insurance companies to use your credit score to determine your rates.
In many other states, companies charge drivers with poor credit scores more for car insurance. That's because they believe that people with poor credit scores are more likely to file a claim in the future.
If you think your insurance is using your credit score to determine your rates, you can ask the state to investigate. In the past, Hawaii has fined insurance companies caught using credit scores to calculate car insurance prices.
What's the best car insurance coverage for HI drivers?
Most drivers in Hawaii should consider a full coverage auto insurance policy, especially those with a car worth over $5,000 or newer than 8 years old. Full coverage pays to fix your car after an accident, regardless of whose fault it is.
Minimum coverage insurance might seem like the best option if you want to save money. But, if you cause an accident, minimum coverage in Hawaii only pays for injuries to other people or damage to their car or property. You'll have to pay for damage to your car yourself.
Full coverage car insurance costs an average of $101 per month more than minimum coverage in Hawaii.
Full coverage includes collision and comprehensive coverage. This means your policy will pay to fix your car if it's damaged in a crash, or by other causes like vandalism or hail.
Full coverage often includes more liability protection than the state of Hawaii requires. This could help save a lot of money if you cause a crash that results in major damage or expensive medical bills.
Frequently asked questions
How much is car insurance in Hawaii per month?
The average price for full coverage car insurance in Hawaii is $151 per month. Minimum coverage costs an average of $50 per month.
What is the cheapest car insurance in Hawaii?
In 2026, Geico has the cheapest car insurance quotes for most drivers in Hawaii. Minimum coverage from Geico costs $23 per month, and full coverage costs around $77 per month, about half the average price of both types of insurance.
What auto insurance is required in Hawaii?
Hawaii requires drivers to have a minimum of $20,000 of bodily injury liability per person and $40,000 per accident, along with $10,000 of property damage liability per accident. Drivers also need to have $10,000 of personal injury protection.
Does Hawaii have cheap car insurance?
Yes, the cost of car insurance in Hawaii is much lower than the national average. Rates in Hawaii are 34% cheaper than the national average for minimum liability coverage and 27% cheaper for full coverage.
Are cars in Hawaii insured for volcanoes?
Car insurance will typically cover damage caused by volcanoes if you have comprehensive coverage. However, if your car is damaged by wind or ash buildup after an initial eruption, you might not be covered.
How much is auto insurance in Honolulu?
Full coverage car insurance in Honolulu costs an average of $167 per month. That's 10% more than the Hawaii state average.
Methodology
ValuePenguin collected thousands of quotes from ZIP codes across Hawaii for the largest insurance companies in the islands. Rates are for a 30-year-old man with good credit who owns a 2018 Honda Civic EX.
Full coverage auto insurance quotes include higher liability limits than required by Hawaii law, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Personal injury protection: $10,000
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision deductible: $500
Rate data 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.
To determine rate changes by company, ValuePenguin analyzed publicly available rate filing data from the Hawaii Insurance Division. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often segment customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
