Cheapest Car Insurance Quotes in Hawaii (2026)
Geico has the cheapest car insurance quotes in Hawaii, at $77 per month for full coverage. That's $74 per month cheaper than the state average.
Find Cheap Car Insurance Quotes in Hawaii
Best cheap car insurance companies in Hawaii
Best and cheapest car insurance in Hawaii
- Cheapest full coverage: Geico, $77/mo
- Cheapest minimum liability: Geico, $23/mo
- Cheapest for young drivers: Geico, $26/mo
- Cheapest after a ticket: Geico, $77/mo
- Cheapest after an accident: Geico, $113/mo
- Cheapest for teens after a ticket: Geico, $26/mo
- Cheapest after a DUI: Farmers, $244/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Geico and USAA are the best choices for Hawaii drivers looking to get a quick quote or buy a policy online. However, you can only get USAA if you've served in the military, or if your spouse or parent has had USAA at some point.
Cheapest car insurance in Hawaii: Geico
Geico offers the most affordable full coverage car insurance quotes in Hawaii.
Find Cheap Car Insurance Quotes in Hawaii
- Geico has the cheapest rates for most Hawaii drivers. At $77 per month, full coverage from Geico is half the Hawaii average price.
- State Farm is the best choice for people who are willing to pay more for great service. At $155 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.
- Military members, veterans and their families can also find affordable auto insurance in Hawaii at USAA, where full coverage costs $112 per month. USAA is $35 per month more than Geico in Hawaii. But that extra cost could be worth it, as USAA has some of the best customer service reviews in the industry.
Cheapest Hawaii auto insurance quotes for full coverage
Company | Monthly rate | |
|---|---|---|
| Geico | $77 |
| Progressive | $155 |
| State Farm | $161 |
| Farmers | $172 |
| Allstate | $228 |
*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 |
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Cheapest liability insurance quotes in Hawaii: Geico
Geico has the best cheap car insurance in Hawaii, at $23 per month for minimum liability coverage.
Geico's average rate is 54% cheaper than the state average. It's even $10 per month cheaper than USAA, which is often the most affordable insurance company around.
The average cost of minimum coverage auto insurance in Hawaii is $50 per month.
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
Best insurance for young drivers in Hawaii: Geico
Geico has the most affordable car insurance quotes for Hawaii teens.
The company charges $26 per month for minimum coverage and $87 per month for full coverage. That's at least 46% cheaper than 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 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.
Cheapest Hawaii car insurance rates after a ticket: Geico
Geico has the most affordable rates for drivers with a speeding ticket on their record. The company often doesn't increase rates after one speeding ticket, which makes it much more affordable than other companies.
At $77 a month, full coverage from Geico is less than half the state average of $180 per month.
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 increased by 42%.
Cheapest car insurance after an accident: Geico
Geico has the best rates for Hawaii drivers who have recently caused a car crash. A full coverage policy from Geico costs around $113 per month, which is 46% cheaper than the average for auto insurance in Hawaii.
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.
If your rate goes up more than you can afford, you should shop around for better rates or consider bundling your home or renters insurance with your auto policy. You might be able to find a better deal from a different company. For example, a policy from the cheapest company, Geico, costs $244 per month less after an accident than the most expensive option, Allstate.
Cheapest for teens with a ticket or accident: Geico
Geico has the best rates in Hawaii for young drivers who have a speeding ticket or accident on their records.
Geico doesn't usually raise rates for young drivers after one speeding ticket. A minimum coverage policy from Geico costs only $26 per month after a single ticket, which is less than half the state average.
Geico also has the cheapest rates after an accident 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.
Cheapest car insurance in HI after a DUI: Farmers
Farmers has the best rates for drivers in Hawaii with a DUI. At $244 per month, full coverage from Farmers is 36% more affordable than 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.
Driving under the influence (DUI) will raise your insurance rates more than any other ticket. Hawaii drivers with a DUI pay more than twice as much for full coverage as drivers with a clean record.
Best car insurance in Hawaii
USAA is the best car insurance company in Hawaii if you have military ties. State Farm and Geico are also good choices for dependable coverage.
Only military members, veterans and some family members can get auto insurance from USAA. Hawaii has a large military population, which means 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 and Geico both offer well-rated customer service, financial stability and affordable rates to civilians in Hawaii.
Best car insurance companies in Hawaii
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 735 | A++ | |
| State Farm | 650 | A++ | |
| Farmers | 622 | A | |
| Geico | 645 | A++ | |
| Progressive | 621 | A+ |
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 Hawai’i, 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, 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 due to an accident, damage or theft.
Hawaii auto insurance requirements
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). 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 eight years old. Full coverage will pay 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 can also include 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 2025, 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 liability coverage.
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 levels of 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.
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.
