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
Who has the best cheap car insurance in Hawaii?
The cheapest car insurance companies in Hawaii are Geico and Farmers.
However, the cheapest company for you may differ based on your driving history, age and the type of coverage you choose. Here are the best options in HI:
- Cheapest for full coverage: Geico — $77/mo
- Cheapest for minimum liability coverage: Geico — $23/mo
Driving history:
- Cheapest after a speeding ticket: Geico — $77/mo
- Cheapest after an accident: Geico — $113/mo
- Cheapest after a DUI: Farmers — $244/mo
Age:
- Cheapest for young drivers: Geico — $26/mo
- Cheapest for teens after speeding a ticket: Geico — $26/mo
- Cheapest for teens after an accident: Geico — $35/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Who has the cheapest full coverage car insurance in Hawaii?
Geico is the cheapest for full coverage car insurance in Hawaii, at $77 per month. That's a savings of around 49%, compared to the state average.
Even though Geico is the cheapest, State Farm is the best choice for people who are 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 superior 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 |
| Allstate | $228 |
| USAA* | $112 |
*USAA is only available to current and former military members and their families.
Data-powered research on Hawaii car insurance
| Data-powered research on HI car insurance |
|---|
Who has the cheapest liability insurance quotes in Hawaii?
Geico is the cheapest for 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 |
| Allstate | $73 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Hawaii
What's the best car insurance for young drivers in Hawaii?
Geico is the cheapest for teen car insurance in Hawaii, at $26 per month for a minimum liability policy. That's a savings of around 52%, compared to the state average.
Geico also has the cheapest full coverage rates for teens, at $87 per month for full coverage, 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 |
| Progressive | $82 | $201 |
*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.
Who has the cheapest car insurance rates in Hawaii after a ticket?
Geico is the cheapest 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 |
| Allstate | $324 |
*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 often don't raise rates after a single speeding ticket, but quotes from Allstate increase by 42%.
Who has the cheapest car insurance after an accident in Hawaii?
Geico is the cheapest 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 |
| Allstate | $357 |
*USAA is only available to current and former military members and their families.
Full coverage rates increase by an average of $60 per month after an at-fault accident.
Tips for finding cheap insurance after a crash in Hawaii
-
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.
-
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.
Who has the cheapest rates for Hawaii teens with a ticket or accident?
Geico is the cheapest 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.
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 |
| Allstate | $114 | $119 |
*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 can expect to pay 39% more for insurance after an accident.
Who has the cheapest car insurance in HI after a DUI?
Farmers is the cheapest 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 |
| Allstate | $617 |
*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 a clean record.
What is the best car insurance company in Hawaii?
USAA is the best car insurance company in Hawaii if you have military ties. Only military members, veterans and some family members can get auto insurance from USAA. Hawaii has a large military population, so a lot of residents are eligible.
USAA regularly earns the top score on J.D. Power's claims satisfaction survey, which means you can expect to get back on the road quickly after an accident. Plus, USAA offers some of the most affordable quotes in Hawaii.
If you don't qualify for USAA membership, State Farm also offers well-rated customer service to civilians in Hawaii.
Best car insurance companies in Hawaii
Company |
Editor's rating
|
Claims experience
|
Customer complaints
|
|---|---|---|---|
| USAA | Excellent | Average | |
| State Farm | Good | Low | |
| Farmers | Average | High | |
| Geico | Average | Low | |
| Progressive | Poor | Average |
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.
All of the companies we included have an "A" financial strength rating or better from AM Best. That means these companies shouldn't have an issue paying out claims, even in difficult financial situations such as a major natural disaster.
Auto insurance rates in Hawaii by city
Many of the most expensive cities for car insurance in the state of Hawaii are located 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. There is only a difference of $32 per month between the most and least expensive cities.
Average Hawaii auto insurance quotes by city
City | Monthly rate | % from average |
|---|---|---|
| Ahuimanu | $167 | 10% |
| Aiea | $167 | 10% |
| Ainaloa | $179 | 18% |
| Anahola | $147 | -3% |
| Camp H. M. Smith | $167 | 10% |
Car owners who live in areas with poorly paved roads, with high crime rates or near a volcano may have slightly higher insurance rates. That's because it's more likely that they’ll make an insurance claim because of an accident, damage or theft.
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
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.
About the Author
Lead Writer
Matt Timmons is a Lead Writer on the insurance team at ValuePenguin, where he writes in-depth and timely pieces helping find the right coverage for them.
He's covered insurance at ValuePenguin since 2018, specializing in auto and home insurance, as well as life insurance. He's paid special attention to the EV insurance market, where prices are much higher than for gas cars.
Before he started writing about personal finance, Matt wrote about professional skills and online tools at an e-learning company.
How insurance helped Matt
During freshman orientation in college, Matt's iPod was stolen off his table while he was eating lunch. Luckily, he'd bought a college insurance plan the day before and he had money to buy a replacement before classes started.
Expertise
- Auto insurance
- Home insurance
- Insurance rate analysis
- Life insurance
Referenced by
- CNBC
- Miami Herald
- Yahoo! Finance
Education
- BA, Wesleyan University
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.
