Who Has the Cheapest Car Insurance Quotes in Hawaii? (2022)
Who Has the Cheapest Car Insurance Quotes in Hawaii? (2022)
Geico has the cheapest car insurance in Hawaii at $274 per year and $23 per month for minimum liability coverage.
There are a number of factors that influence your car insurance rates, including the level of coverage you choose, your driving history, age and location.
In Hawaii, we found that average rates fluctuated by over $1000 for a minimum coverage policy and $2,800 for a full coverage policy. The best way to get the cheapest rates is to compare quotes from multiple insurers.
Cheapest car insurance in Hawaii: Geico
Geico has the best cheap car insurance in Hawaii at $274 per year and $23 per month for minimum liability coverage. Geico's average rate is 57% cheaper than the state average and $150 less than the second-cheapest insurer, Island Insurance.
The average cost of car insurance in Hawaii is $639 per year, or $53 per month, for minimum liability.
Find Cheap Auto Insurance Quotes in Hawaii
Company | Annual rate | Monthly rate |
|---|---|---|
| Geico | $275 | $23 |
| Island Insurance | $425 | $35 |
| Allstate | $809 | $67 |
| State Farm | $1,324 | $110 |
| USAA | $356 | $30 |
*USAA is only available to current and former military members and their families.
For shoppers 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.
For this reason, we recommend purchasing a full coverage auto insurance policy rather than a minimum coverage policy.
Cheapest full coverage car insurance: Geico
A full coverage car insurance policy costs an average of $1,750 per year, or $146 per month. Geico again provides Hawaii drivers with the best value with rates that are 60% — or $1,042 — cheaper than the state average.
Company | Annual rate | Monthly rate |
|---|---|---|
| Geico | $708 | $59 |
| Island Insurance | $1,326 | $111 |
| Allstate | $2,044 | $170 |
| State Farm | $3,521 | $293 |
| USAA | $1,143 | $95 |
*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 the state minimum requirements, which means that your insurer will cover repairs to your car and the other driver's car.
Cheap car insurance 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.
To help Hawaii drivers select the most affordable coverage, we found the insurers that offer the best rates for those who have:
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 $708 a year and $59 a month, full coverage from Geico is $1,318 cheaper than the state average of $2,024.
Company | Annual rate | Monthly rate |
|---|---|---|
| Geico | $708 | $59 |
| Island Insurance | $1,439 | $120 |
| Allstate | $2,886 | $241 |
| State Farm | $3,890 | $324 |
| USAA | $1,198 | $100 |
*USAA is only available to current and former military members and their families.
While a speeding ticket will likely increase your auto insurance rates, it won't increase them as much as an at-fault accident will. Our analysis of average rates in Hawaii found that rates go up by 16% after a speeding ticket, compared to a 33% 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 $2,335 per year, however Geico's rates are 55% lower at just $1,041 a year.
Company | Annual rate | Monthly rate |
|---|---|---|
| Geico | $1,041 | $87 |
| Island Insurance | $1,772 | $148 |
| Allstate | $3,189 | $266 |
| State Farm | $4,262 | $355 |
| USAA | $1,411 | $118 |
*USAA is only available to current and former military members and their families.
Average rates for full coverage increase by about $582 a year after an at-fault accident. However, insurers penalize accidents to different degrees. Allstate increases rates by more than $1,100, from $2,049 before an accident to $3,189 after an accident. In contrast, Geico raises rates by $333, from $708 to $1,041.
If your rate increase is 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
Driving under the influence (DUI) will raise your insurance rates more than any other traffic violation. At $5,037 per year and $420 per month for full coverage car insurance, Geico offers the best rates for drivers in Hawaii with one DUI citation. The company's rates are 23% more affordable than the state average.
A driver in Hawaii with a DUI can expect to pay almost three times as much as a driver with a clean record.
Company | Annual rate | Monthly rate |
|---|---|---|
| Geico | $5,037 | $420 |
| Allstate | $5,487 | $457 |
| State Farm | $8,544 | $712 |
| Island Insurance | $11,331 | $944 |
| USAA | $2,305 | $192 |
*USAA is only available to current and former military members and their families.
We found that while rates increase by 16% after a speeding ticket and 33% after an at-fault accident, they rise from $1,750 to $6,541 after a DUI — a 273% increase.
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 $314 a year for state minimum coverage and $796 a year for a full coverage policy — over 50% below average for both options.
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $314 | $796 |
| Island Insurance | $425 | $1,326 |
| Allstate | $809 | $2,044 |
| State Farm | $1,324 | $3,521 |
| USAA | $356 | $1,143 |
*USAA is only available to current and former military members and their families.
Most states charge young drivers far higher rates than adult drivers, but Hawaii breaks with that trend.
Minimum coverage insurance for our sample 18-year-old driver is $645 per year — only $6 more expensive than it is for older drivers.
Cheapest car insurance for young drivers after a ticket: Geico
Geico also has the best rates for young drivers in Hawaii who have a speeding ticket on their records. Not only is minimum coverage auto insurance from Geico 59% cheaper than average, but our analysis also found that the company does not raise rates for young drivers after one speeding ticket.
Company | Annual rate | Monthly rate |
|---|---|---|
| Geico | $313 | $26 |
| Island Insurance | $460 | $38 |
| Allstate | $1,227 | $102 |
| State Farm | $1,469 | $122 |
| USAA | $374 | $31 |
*USAA is only available to current and former military members and their families.
Insurance costs for an 18-year-old driver with a speeding ticket were about 19% more expensive than rates for a driver of the same age with a clean record — not ideal, but certainly less expensive than the 35% increase after an at-fault accident.
Cheapest car insurance for young drivers after an accident: Geico
Average rates for young drivers in Hawaii who have caused an accident increase by 35%. Geico has the best rates for teens who find themselves in this predicament. Geico's annual rate is $417 for minimum coverage insurance, which is $454 cheaper than average. Island Insurance, the next-cheapest option, is $150 more expensive per year.
Company | Annual rate | Monthly rate |
|---|---|---|
| Geico | $417 | $35 |
| Island Insurance | $570 | $48 |
| Allstate | $1,305 | $109 |
| State Farm | $1,615 | $135 |
| USAA | $450 | $38 |
*USAA is only available to current and former military members and their families.
Best car insurance companies in Hawaii
USAA is the best car insurance company in Hawaii, according to its best-in-class J.D. Power customers satisfaction score, 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.
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| Geico | 828 | A++ | |
| State Farm | 818 | A++ | |
| Allstate | 803 | A+ | |
| Island Insurance | NR | NR | A |
| USAA | 870 | 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
It's not just how you drive that impacts your auto insurance ratings but where you live, as well. Car insurance rates in Hawaii don't fluctuate significantly from city to city. There is only a $362-a-year difference between the most and least expensive locations.
Of the 76 cities we studied, 22 have access to the cheapest full coverage auto insurance in the state at $1,500 per year — the largest of which is Kapaa.
On the other hand, drivers in 44 cities pay the highest rates in Hawaii, including those living in the fourth-largest city in the state, Hilo.
City | Average annual cost | Difference from average |
|---|---|---|
| Ahuimanu | $1,750 | 0% |
| Aiea | $1,750 | 0% |
| Ainaloa | $1,862 | 7% |
| Anahola | $1,500 | -14% |
| Camp H M Smith | $1,751 | 0% |
Minimum requirements for auto insurance coverage in Hawaii
As a no-fault state, Hawaii requires drivers to carry personal injury protection as part of minimum insurance requirements, as well as the standard bodily injury and property damage liability coverages that most states require.
Personal injury protection 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 (BI) | $20,000 per person/$40,000 per accident |
| Property damage (PD) | $10,000 per accident |
| Personal injury protection (PIP) | $10,000 per accident |
Methodology
We collected thousands of quotes from ZIP codes across Hawaii for five of the largest insurers using a sample driver with the following profile:
- 30-year-old man
- Drives a 2015 Honda Civic EX
- Average credit
Full coverage auto insurance quotes include the following limits:
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.