Who Has The Cheapest Motorcycle Insurance Quotes In Hawaii?

Hawaii is the most recent state, the only one composed entirely of islands and the only state that is not part of the Americas. Tourism, agriculture and the U.S. military are the sectors that drive the local economy in the state. Many of the roads across the state’s dozens of islands aren’t suitable for a motorcycle, but the ones that are allow a rider to experience one of the most beautiful places in the world. We gathered motorcycle insurance quotes from two major insurance carriers that offer the policy in Hawaii to see what places in the state have the best rates. The policy for was for a sample 45-year-old rider and a policy with bodily injury protection of $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The good news for bike riders in Hawaii is that premiums in the most expensive cities were only 5.7% higher than the cheapest.

Cheapest Motorcycle Insurance In Hawaii

Out of the two companies that sell motorcycle insurance in Hawaii, and had available data, GEICO was the cheapest, with an average quote of $314. Progressive’s average motorcycle insurance quote for our sample rider was $601 – 91.4% higher higher than GEICO’s. The average annual premium quoted in the state of Hawaii was $458. We consider GEICO and Progressive to be among the best motorcycle insurance companies.

Out of the two motorcycle insurance companies with data available in Hawaii, GEICO's quotes were less expensive than Progressive's.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Best Motorcycle Insurance Rates In Hawaii: By City

Some of the largest cities in Hawaii had the most expensive motorcycle insurance rates, as well as rates slightly below the state average. Honolulu, Pearl City and Waipahu all had sample policy quotes that were 4.6% higher than than average cost of motorcycle insurance in Hawaii. Hilo and Kailua, while similar in size to Pearl City and Waipahu, actually had rates that were 1.2% lower than the state average.

RankCityAverage Annual Rate% Difference vs State Average
1 Honolulu $479 4.6%
2 Pearl City 479 4.6%
3 Hilo 453 -1.2%
4 Kailua 453 -1.2%
5 Waipahu 479 4.6%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Honolulu, HI

The largest city and capital of the state of Hawaii has more than 337,000 residents, and is part of a metropolitan area of roughly 950,000. The city has been the capital of Hawaii for over a century, well before it became part of the U.S. It’s known for being the major financial and tourist center of the islands, as well as for being a remarkably safe city. Motorcycle insurance quotes for our sample rider in Honolulu were 4.6% higher than the state average.

Pearl City, HI

Pearl City is actually a census-designated place on Hawaii’s island of O’ahu. It is on the north shore of Pearl Harbor and has a population of more than 48,000 residents. It is located between Waimalu and Waipahu, which also are on Pearl Harbor. In Pearl City, our sample motorcycle rider and policy led to an average quote that was 4.6% higher than Hawaii’s average.

Hilo, HI

Like Pearl City, Hilo is also a census-designated place. It is the largest settlement of the island of Hawai’i with more than 43,000 residents and it looks over Hilo Bay. Area agriculture is important to the local economy and a number of major plantations operate in the area. Hilo is known for a long list of other unique things, such as its banyan trees, tourism and the only museum in Hawaii dedicated to tsunamis. The average motorcycle insurance rate for the sample policy and rider was 1.2% lower than the state average in Hilo.

Kailua, HI

Known for its rich history and popular beach, Kailua is in the Koʻolaupoko District of the island of Oʻahu and attracts many visitors. U.S. President Barack Obama vacationed to Kailua during the winter in both 2008 and 2009. It’s a census-designated place with nearly 40,000 residents, many which have argued the popularity of the town has become a nuisance. Motorcycle insurance quotes in Kailua were 1.2% lower than the state average. 

Waipahu, HI

Another census-designated place, Waipahu has more than 38,000 residents but was once a sugarcane plantation. It is adjacent to Village Park, Pearl City and located on the north shore of Pearl Harbor. Motorcycle insurance premiums quoted in Waipahu were 4.6% higher than Hawaii’s average.

Average Motorcycle Insurance Rates In Hawaii: By City

We used quotes for a sample rider and motorcycle insurance policy from two major carriers that offer the insurance line in Hawaii. Our analysis of the quotes collected showed the places in Hawaii with the most expensive premiums quoted had rates that were only 5.7% higher than the places with the cheapest.

Out of the 37 places in Hawaii included in our study, many had identical rates for our sample rider and policy. The average annual motorcycle insurance rate quoted in Hawaii was $458.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 37 municipalities and census-designated places in the state of Hawaii. The quotes we gathered were from two major carriers: GEICO and Progressive. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500.

The motorcycle used when gather quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

RankCityAverage Annual Rate% Difference vs State Average
31 Aiea $479 4.6%
1 Ewa Beach 453 -1.2%
2 Haleiwa 453 -1.2%
3 Hauula 453 -1.2%
Hawaii Average 458 0.0%
4 Hilo 453 -1.2%
5 Holualoa 453 -1.2%
6 Honokaa 453 -1.2%
32 Honolulu 479 4.6%
7 Kaaawa 453 -1.2%
33 Kahuku 479 4.6%
8 Kahului 453 -1.2%
9 Kailua 453 -1.2%
10 Kalaheo 453 -1.2%
11 Kamuela 453 -1.2%
12 Kane'ohe 453 -1.2%
13 Kapaa 453 -1.2%
14 Kapolei 453 -1.2%
15 Keaau 453 -1.2%
16 Kealakekua 453 -1.2%
17 Kihei 453 -1.2%
18 Kilauea 453 -1.2%
19 Koloa 453 -1.2%
20 Kula 453 -1.2%
21 Lahaina 453 -1.2%
22 Laie 453 -1.2%
23 Lihue 453 -1.2%
24 Makawao 453 -1.2%
34 Mililani 479 4.6%
25 Pahoa 453 -1.2%
35 Pearl City 479 4.6%
26 Princeville 453 -1.2%
27 Wahiawa 453 -1.2%
28 Waialua 453 -1.2%
29 Waianae 453 -1.2%
30 Wailuku 453 -1.2%
36 Waimanalo 479 4.6%
37 Waipahu 479 4.6%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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