Who Has the Cheapest Car Insurance Quotes in Hawaii? (2023)
Who Has the Cheapest Car Insurance Quotes in Hawaii? (2023)
Geico has the cheapest car insurance quotes in Hawaii at about $30 per month, or $356 per year for minimum liability coverage.
Best cheap car insurance in Hawaii
To help drivers in Hawaii find the best cheap auto insurance, our editorial team gathered quotes from top insurance companies in each ZIP code in the state. Quotes for minimum coverage meet Hawaii's state minimum requirements of $20,000 in bodily injury liability coverage per person and $40,000 per accident, plus $10,000 in property damage liability insurance and $10,000 in personal injury protection (PIP). Quotes for full-coverage policies include comprehensive and collision protection along with higher liability limits than state minimums.
Additionally, we rated the best Hawaiian car insurance companies based on the cost of coverage for different drivers, customer service reviews, convenience and coverage availability.
Cheapest car insurance quotes in Hawaii: Geico
Geico has the best cheap car insurance in Hawaii at $30 per month for minimum liability coverage. Geico's average rate is 63% cheaper than the state average and $150 less than the second-cheapest insurer, Island Insurance.
The average cost of car insurance in Hawaii is $57 per month, or $688 per year, for minimum liability.
Find Cheap Auto Insurance Quotes in Hawaii
Cheapest minimum car insurance in Hawaii
Company | Monthly rate | |
|---|---|---|
| Geico | $30 |
| Island Insurance | $35 |
| Farmers | $52 |
| Allstate | $70 |
| Progressive | $75 |
*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 minimum coverage for drivers with a car worth over $3,000.
Cheapest full-coverage car insurance: Geico
A full-coverage car insurance policy costs an average of $156 per month, or $1,874 per year. Geico again provides Hawaii drivers with the best value, with quotes that are 50% — or $943 — cheaper than the state average.
Company | Monthly rate |
|---|---|
| Geico | $78 |
| Island Insurance | $110 |
| Progressive | $167 |
| Farmers | $170 |
| Allstate | $180 |
*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 more liability coverage than the state minimum requirements, which means that your policy will cover repairs to your car if it's damaged in a crash — or by other causes like vandalism or hail.
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. Geico and State Farm offered the best rates to higher-risk drivers.
To help Hawaii drivers select the most affordable coverage, we found the insurers that offer the best rates for those who have a ticket, an accident and a DUI on their records:
Find Cheap Auto Insurance Quotes in Hawaii
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 $78 a month, full coverage from Geico is $1,246 per year cheaper than the state average of $2,178.
Cheapest car insurance with a ticket in Hawaii
Company | Monthly rate |
|---|---|
| Geico | $78 |
| Island Insurance | $119 |
| Farmers | $170 |
| Progressive | $225 |
| Allstate | $255 |
While a speeding ticket will likely increase your auto insurance rates, it won't increase them as much as an at-fault accident will. Rates in Hawaii go up by 16% after a speeding ticket, compared to a 36% increase after an at-fault accident.
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 $212 per month, however Geico's rates are 46% lower at just $114 per month.
Cheapest car insurance after an accident in Hawaii
Company | Monthly rate |
|---|---|
| Geico | $114 |
| Island Insurance | $147 |
| Farmers | $224 |
| Progressive | $245 |
| Allstate | $281 |
Average rates for full coverage increase by about 36% after an at-fault accident. If your rate increases 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.
Cheapest car insurance after a DUI: Geico
At $239 per month for full-coverage car insurance, Farmers offers the best rates for drivers in Hawaii with one DUI citation. The company's rates are 44% more affordable than the state average. Driving under the influence (DUI) will raise your insurance rates more than any other traffic violation.
A driver in Hawaii with a DUI can expect to pay almost three times as much as a driver with a clean record.
Cheapest car insurance in Hawaii after DUI
Company | Monthly rate |
|---|---|
| Farmers | $239 |
| Progressive | $277 |
| Allstate | $485 |
| Geico | $552 |
| State Farm | $715 |
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 $34 a month for state minimum coverage and $88 a month for a full-coverage policy — over 40% below average for either option.
Cheapest car insurance for young drivers in HI
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $34 | $88 |
| Island Insurance | $35 | $110 |
| Farmers | $52 | $170 |
| Allstate | $70 | $180 |
| Progressive | $94 | $213 |
Most states charge teen drivers far higher rates than adult drivers, but Hawaii breaks with that trend.
Minimum-coverage insurance for an average 18-year-old driver is $61 per month — only $4 more expensive than it is for older drivers.
Cheapest car insurance quotes for teen drivers after a ticket: Geico
Geico also has the best auto insurance rates for young drivers in Hawaii who have a speeding ticket on their records. Not only is minimum coverage from Geico 52% cheaper than average, but our analysis also found that the company does not raise rates for young drivers after one speeding ticket.
Cheapest car insurance for young drivers with a ticket in HI
Company | Monthly rate |
|---|---|
| Geico | $34 |
| Island Insurance | $38 |
| Farmers | $52 |
| Allstate | $107 |
| Progressive | $115 |
Insurance costs for an 18-year-old driver with a speeding ticket are about 19% more expensive than rates for a driver of the same age with a clean record — less expensive than the 35% increase after an at-fault accident.
Cheapest car insurance for young drivers after an accident: Geico
Geico has the best rates for Hawaii teens who have caused an accident. Geico's monthly rate is $45 per month for minimum coverage after a crash, which is 45% cheaper than average. Island Insurance, the next-cheapest option, is only $2 more per month.
Average rates for young drivers in Hawaii at fault in an accident increase by 35%.
Cheapest car insurance in HI for teens with an accident
Company | Monthly rate |
|---|---|
| Geico | $45 |
| Island Insurance | $47 |
| Farmers | $70 |
| Allstate | $113 |
| Progressive | $126 |
Best car insurance companies in Hawaii
USAA is the best car insurance company in Hawaii, according to its best-in-class J.D. Power customer satisfaction score, its 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, though its rates are on the expensive side in Hawaii.
Best Hawaii auto insurance
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Farmers | 815 | A | |
| Allstate | 824 | A+ |
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
The most expensive city in Hawaii for car insurance is Ainaloa, at $168 per month. The cheapest is Anahola, at $136 per month.
Car insurance quotes in Hawaii don't fluctuate significantly from city to city. There is only a $378-per-year difference between the most and least expensive locations.
Car owners who live in areas with poorly paved roads or high crime may find their insurance slightly higher because of increased likelihood they will make a claim to their insurance.
Best cheap car insurance rates near you
City | Average monthly cost | Percentage difference from average |
|---|---|---|
| Ahuimanu | $156 | 0% |
| Aiea | $156 | 0% |
| Ainaloa | $168 | 7% |
| Anahola | $136 | -13% |
| Camp H M Smith | $156 | 0% |
Minimum requirements for auto insurance coverage in Hawaii
As a no-fault state, Hawaii requires drivers to carry PIP as part of minimum insurance requirements, as well as at least $20,000 per person and $40,000 per accident in bodily injury coverage, plus $10,000 of property damage liability.
PIP 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 | $20,000 per person/$40,000 per accident |
| Property damage | $10,000 per accident |
| Personal injury protection | $10,000 per accident |
Frequently asked questions about Hawaii car insurance
How much is car insurance in Hawaii?
The average price for minimum car insurance in Hawaii is $688 per year, while full coverage costs an average of $1,874 per year.
Is car insurance more expensive in Hawaii?
No, the cost of car insurance in Hawaii is close to the national average. Rates in Hawaii are 1% cheaper than the national average for minimum liability coverage and 5% more expensive for full coverage.
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 PIP limit. You also cannot be sued unless there are serious injuries.
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 30-year-old man with average credit, who owns a 2015 Honda Civic EX.
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.