The Best Cheap Motorcycle Insurance in Hawaii

The Best Cheap Motorcycle Insurance in Hawaii

It's essential to find the motorcycle insurance that's right for you. In Hawaii, we determined that the cheapest rate for typical motorcycle riders is $42 per month.

Compare motorcycle insurance quotes from providers in Hawaii

Currently insured?

Along with premiums, we compared the price and policy offerings of providers in Hawaii to compile our list of the top motorcycle insurers in the state. Use the above quote tool, or keep reading for our analysis on the top motorcycle insurers in Hawaii.

Best motorcycle insurance for most people: Geico

Geico's affordable coverage has enough protections for typical motorcyclists.
{"bannerDisclaimers":[],"buttonColor":"primary","buttonIcon":"lock","buttonText":"Get a Quote","cloudinaryImageName":"referral_logos\/us\/insurance\/geico-5","description":" Geico's affordable coverage has enough protections for typical motorcyclists.","details":[],"disclaimer":"","featuredTitle":"","link":"https:\/\/\/","name":"Geico","hideBanner":false,"hideDescription":false,"hideDetails":true,"hideDisclaimer":false,"hideTitle":true,"title":"Geico"}

The good:

  • Most affordable coverage on average in Hawaii
  • Great customer service

The bad:

  • Few add-ons available compared to other insurers

Geico motorcycle insurance is the best option for most people looking for coverage in Hawaii. On average, its prices are the most affordable of any company we surveyed. The average cost of Geico motorcycle insurance is about $42 per month, which is 8% cheaper than the typical price in Hawaii.

By purchasing both auto and motorcycle insurance from Geico, you could save money on your premium. In addition, you could reduce your payments if you show you are an older driver, renew a policy, or complete a safety or accident prevention course.

While Geico doesn't have very many endorsements, its regular coverage will meet the needs of most riders — and the upgrades it does offer are practical, like:

  • Roadside assistance.
  • Accessories coverage for your bike's saddlebags and chrome pieces.
  • Coverage for your helmet.
  • High limits of additional liability protection.

Among Hawaii's largest motorcycle insurers, Geico has well-regarded customer service. According to the National Association of Insurance Commissioners (NAIC), Geico receives nearly 30% fewer complaints than its market size suggests. Additionally, it's ranked as the sixth-best insurance provider according to J.D. Power's claims satisfaction survey.

Best motorcycle insurance for complete coverage: Progressive

Progressive's add-ons allow you to get the most coverage for your bike.
{"bannerDisclaimers":[],"buttonColor":"primary","buttonIcon":"lock","buttonText":"Get a Quote","cloudinaryImageName":"referral_logos\/us\/insurance\/progressive-2","description":" Progressive's add-ons allow you to get the most coverage for your bike.","details":[],"disclaimer":"","featuredTitle":"","link":"https:\/\/\/zero-click.html?cu=https:\/\/\/auto\/&carrier=Progressive;TKzt2XWu22mNOdQNJ2a4RzoV6BRPpNDUopJCfh7rAsgYilC61MaFepVn5p1L6_mIOJTZIazfFd3kcRBYBf9NIndYo-7WqA","name":"Progressive","hideBanner":false,"hideDescription":false,"hideDetails":true,"hideDisclaimer":false,"hideTitle":true,"title":"Progressive"}

The good:

  • Has a wide array of available coverages
  • Lots of opportunities for saving money with discounts

The bad:

  • More expensive than average

The average cost of Progressive motorcycle insurance is slightly more expensive than Hawaii's average. It typically costs $49 per month to get coverage from Progressive. You may be able to decrease your premiums if you choose automatic payments, switch from another provider, prove you're a responsible driver or qualify for another type of discount.

However, Progressive motorcycle insurance offers the most coverage of any of the providers in our survey. While most of the protection afforded by a standard Progressive motorcycle insurance policy aligns with those typically offered, Progressive also includes replacement cost coverage with any policy. Other upgrades include:

  • Comprehensive and collision coverage, which includes $3,000 of custom parts coverage.
  • Up to $30,000 of additional custom parts coverage.
  • Original equipment manufacturer (OEM) parts protection.
  • Total loss coverage for motorcycles that are under one year old.
  • Enhanced injury protection that pays $250 per week for 24 months if you're injured.

Best motorcycle insurance for military families: USAA

If you're eligible, USAA's motorcycle insurance may be the best in Hawaii.
{"bannerDisclaimers":[],"buttonColor":"primary","buttonIcon":"lock","buttonText":"Get a Quote","cloudinaryImageName":"referral_logos\/us\/insurance\/usaa-3","description":" If you're eligible, USAA's motorcycle insurance may be the best in Hawaii.","details":[],"disclaimer":"","featuredTitle":"","link":"https:\/\/\/inet\/wc\/insurance-products?akredirect=true","name":"USAA","hideBanner":false,"hideDescription":false,"hideDetails":true,"hideDisclaimer":false,"hideTitle":true,"title":"USAA"}

The good:

  • Well-rated customer service
  • Policies include roadside assistance

The bad:

  • Not everyone can purchase coverage

The best motorcycle insurance for the thousands of military service members that live in Hawaii is USAA. Coverage from USAA is open to active, retired and reserve military service members and their families. Detailed rate and policy information is only granted to these eligible bike owners.

USAA is often highly rated for its customer service and consumer satisfaction. The NAIC's Complaint Index signals that USAA receives fewer complaints than would be expected from its market share. Additionally, J.D. Power ranks USAA as the third-best national provider in its Auto Insurance Study.

USAA's standard motorcycle insurance policy comes with roadside assistance. While there aren't many endorsements offered with USAA motorcycle insurance, you could add uninsured or underinsured motorist coverage and collision and comprehensive protections.

Coverage from USAA's motorcycle insurance is good for many types of recreational-style vehicles, including dirt bikes, scooters and ATVs. Also, you could get a discount for insuring multiple motorcycles or other vehicles with USAA.

How we chose the best motorcycle insurance in Hawaii

We evaluated motorcycle insurance companies in Hawaii according to three considerations. We compared each insurer's:

  • Affordability: How much consumers might expect to pay for a motorcycle insurance policy.
  • Coverage options: The endorsements offered by insurers, as well as the quality of standard protection.
  • Customer service: A company's reputation for responding to claims in a fair, timely manner.

The best motorcycle insurance providers have affordable coverage that allows you to purchase add-ons as your needs evolve. However, you shouldn't be obligated to buy additional protection because your policy excludes coverage for basic needs.

Affordability: Comparing motorcycle prices in Hawaii

Cost is one of the most important deciding factors for people looking for motorcycle insurance. With this in mind, we averaged rates collected from addresses across Hawaii to find the typical cost of motorcycle insurance in the state.

On average, the price of motorcycle insurance in Hawaii is about $45 per month, which we calculated is cheaper than the national average of $59 per month. Fortunately for consumers, the average cost of motorcycle insurance doesn't vary much in Hawaii: The difference between the most expensive and cheapest policies in Hawaii is less than $100 per year.

A bar graph showing the average monthly costs of motorcycle insurance in Hawaii
Average cost (monthly)
% difference from statewide average

Even if you request an online motorcycle insurance quote for the same type of motorcycle as another person, the quote you see could be different. This is because your premiums are determined by your personal driving history, your location and your desired policy limits, in addition to your motorcycle's make and model.

The quotes we requested from Hawaii's motorcycle insurance companies carried the following limits. Even though these limits exceed What Is the Minimum Car Insurance Required in Your State?, it's a good idea to get enough coverage to protect your assets rather than simply meet your state's legal threshold for coverage.

  • Bodily injury liability coverage: $100,000 per person/$300,000 per accident
  • Property damage liability coverage: $50,000 per accident
  • Collision coverage: included/$500 deductible
  • Comprehensive coverage: included/$500 deductible
  • All other coverages: not included

To get these rates, we requested motorcycle insurance online for a 45-year-old married male homeowner with 20 years of riding experience. The bike associated with our sample profile is a 2019 Harley-Davidson FLHX Street Glide.

Compare motorcycle insurance quotes from providers in Hawaii

Currently insured?

Coverage options: Evaluating motorcycle insurance policies and features

The insurers we've highlighted all offer more than enough coverage to meet Hawaii's minimum insurance requirements. Additionally, each company offers additional endorsements you can use to supplement a standard policy.

Before you decide which motorcycle insurance company works best for your needs, evaluate whether an insurer has a policy with enough coverage for your motorcycle. It's best if your motorcycle insurance provider allows you the flexibility to adjust your coverage limits and purchase useful endorsements, too.

Insurance provider
Maximum liability limit
Replacement cost coverage
OEM parts replacement
Custom parts
Roadside assistance
Rental reimbursement

†-This means that the coverage is included in a full-coverage policy

Customer service: Considering insurer quality in service and claims satisfaction

We used three measurements to determine which motorcycle insurance company in Hawaii has the best customer service: the Complaint Index published by the NAIC, the scores awarded to providers on J.D. Power's U.S. Auto Insurance Study and A.M. Best's Financial Strength Rating (FSR).

NAIC Complaint Index
National J.D. Power survey score (of 20)
A.M. Best Financial Strength Rating
State Farm0.5714thA++

NAIC Complaint Index: A company's Complaint Index measures the number of complaints it receives relative to its size. The NAIC communicates the Complaint Index using 1.0 as a benchmark. This means a company with a Complaint Index greater than 1.0 receives more complaints than its market share suggests.

J.D. Power Auto Insurance Study: This study ranks 20 national insurance providers according to factors such as price, policy offerings and customer service interaction. Companies are given an overall satisfaction score based on consumers' feedback.

A.M. Best Financial Strength Rating: A.M. Best judges the ability of insurers to meet their financial obligations, such as paying claims to policyholders, especially in the event of an economic recession or large-scale natural disaster. Although most insurers are found financially healthy by A.M. Best, the creditor can help you weed out risky providers.

Hawaii motorcycle insurance costs by city

With the rates we sourced for this survey, we found the average cost of motorcycle insurance in towns and cities across Hawaii. This information is tabulated below, alongside each location's difference from Hawaii's average price of coverage.

There's not much variance in the cost of motorcycle insurance in Hawaii. Generally, the most expensive cities, such as Honolulu, tend to differ from the statewide average by about 4%.

City (by population)
Average cost (per month)
% difference from statewide average
Pearl City$474%
Ewa Beach$45-1%
Show All Rows

Hawaii insurance requirements

Hawaii's riders must get the same amount of minimum insurance as the state's conventional drivers. Hawaii only requires bodily injury and property damage liability coverages. Since these coverages only protect other drivers from damage you're responsible for, you'll have to purchase additional coverage if you want to cover your own bike.

To operate your motorcycle legally in Hawaii, you must purchase:

Coverage type
Required minimum
Bodily injury liability$20,000 per person / $40,000 per accident
Property damage liability$10,000 per occurrence

How do you get a motorcycle license in Hawaii

It's a simple process to get a Class 2 motorcycle license or endorsement in Hawaii. This class of license applies to both motorcycles and motor-powered scooters. You must get a learner's permit before qualifying for a motorcycle license.

To acquire a permit, you must pass a vision test before completing written tests. One is for operating a motorcycle and the other is a rules of the road exam. If you have a regular driver's license, you don't have to take the second exam. Once you have a learner's permit, you must complete a skill test before it expires.


We collected 74 quotes for addresses throughout Hawaii's islands. The rates we requested were for a 45-year-old male homeowner, married, with 20 years of experience riding bikes recreationally. The bike associated with our policy is a 2019 Harley-Davidson FLHX Street Glide. Prices will fluctuate depending on individual factors.

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.