Island Insurance Review
Island insurance is a good choice for Hawaii homeowners looking to work with a local insurance company.
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Editor's Rating
Is Island Insurance Group a good insurance company?
Island Insurance Group is a solid insurance company, particularly for customers in Hawaii who want local expertise and tailored coverage. The company offers a full range of different kinds of insurance, including auto, home, condo, renters and umbrella insurance, making it a convenient option for policyholders looking to bundle coverage.
That said, Island Insurance is not always the cheapest option available. While its pricing is competitive for some drivers, especially if you have a clean record or want to bundle a homeowners policy, you might be able to find cheaper rates with larger national companies. Overall, Island Insurance stands out more for service and coverage than for rock-bottom pricing.
Editor's rating | |
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Unique value |
Island Insurance Group pros and cons
Pros
Strong local presence and expertise in Hawaii
Offers home, auto, renters and condo insurance
Multiple bundling opportunities across auto, home and renters insurance
Personalized service through local agents
Cons
Not always the cheapest option
Fewer digital tools than some large insurance companies
Policies only sold over the phone
Island Insurance car insurance review
Island auto insurance offers customizable coverage and personalized support.
Island Insurance has standard auto insurance coverage options, as well as policies for drivers who want additional protection. Coverage options are flexible, allowing you to tailor coverage based on your needs, driving history and budget.
Island car insurance quotes
Island’s full coverage auto insurance rates tend to be cheaper than major competitors in Hawaii. Full coverage costs an average of $128 per month and minimum coverage rates average around $34 per month.
Island Insurance auto quotes vs. competitors
Full coverage
Minimum coverage
Company | Monthly rate | ||
|---|---|---|---|
| Geico | $77 | |
| Island Insurance | $128 | |
| Progressive | $155 | |
| State Farm | $161 | |
| Farmers | $172 | |
/*USAA is only available to military members, veterans and their families.
Full coverage
Company | Monthly rate | ||
|---|---|---|---|
|
| Geico | $77 | |
|
| Island Insurance | $128 | |
|
| Progressive | $155 | |
|
| State Farm | $161 | |
|
| Farmers | $172 | |
/*USAA is only available to military members, veterans and their families.
Minimum coverage
Company | Monthly rate | ||
|---|---|---|---|
|
| Geico | $23 | |
|
| Island Insurance | $34 | |
|
| Farmers | $51 | |
|
| State Farm | $57 | |
|
| Progressive | $63 | |
*USAA is only available to military members, veterans and their families.
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Island Insurance also has reasonable rates for those with bad driving records and teen drivers.
Rates for teens
$128/mo
$154/mo
Rates after a ticket
$139/mo
$174/mo
Rates after an accident
$171/mo
$204/mo
Island car insurance coverages
If you're interested in optional coverage like rental car reimbursement, gap insurance, accident forgiveness or other supplemental insurance, you'll need to talk to an agent. Island doesn't provide information on supplemental car insurance coverage on its website.
Island auto insurance includes the core coverage types most drivers expect.
- Bodily injury liability coverage gives you protection for any injuries that passengers and other drivers experience in an accident you're responsible for.
- Property damage liability covers you for any damage you cause to another person's property in an at-fault accident.
- Collision coverage helps pay for repairs to your own vehicle after an accident.
- Comprehensive insurance helps pay for repairs or replacement if your car is damaged for any reason other than an accident.
Island home insurance review
Island Insurance has higher-than-average rates for home insurance.
The policies offer standard coverage to homeowners in Hawaii. The company also offers coverage add-ons like hurricane and flood insurance.
Island home insurance quotes
Island insurance charges homeowners an average of $927 per year for home insurance, which is more expensive than average rates across the state.
Island Insurance's home insurance policies include coverage to protect their homes from common threat on the islands. However, if you're looking for the cheapest coverage, you may be better off choosing a larger carrier like Allstate or State Farm.
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Island Insurance home insurance quotes vs. competitors
$200,000
$350,000
$500,000
$1 million
Company | Annual rate | ||
|---|---|---|---|
| DB Insurance | $234 | |
| RLI | $344 | |
| Allstate | $383 | |
| AIG | $431 | |
|
| Island Insurance | $441 | |
| First Insurance Company of Hawaii | $565 | |
|
| State Farm | $668 | |
| Ocean Harbor | $1,267 | |
$200,000
Company | Annual rate | ||
|---|---|---|---|
|
| DB Insurance | $234 | |
|
| RLI | $344 | |
|
| Allstate | $383 | |
|
| AIG | $431 | |
|
| Island Insurance | $441 | |
|
| First Insurance Company of Hawaii | $565 | |
|
| State Farm | $668 | |
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| Ocean Harbor | $1,267 | |
$350,000
Company | Annual rate | ||
|---|---|---|---|
|
| DB Insurance | $391 | |
|
| RLI | $543 | |
|
| Allstate | $631 | |
|
| AIG | $693 | |
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| State Farm | $731 | |
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| Island Insurance | $927 | |
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| First Insurance Company of Hawaii | $959 | |
|
| Ocean Harbor | $1,999 | |
$500,000
Company | Annual rate | ||
|---|---|---|---|
|
| DB Insurance | $570 | |
|
| State Farm | $701 | |
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| RLI | $774 | |
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| Allstate | $880 | |
|
| Island Insurance | $1,030 | |
|
| AIG | $1,041 | |
|
| First Insurance Company of Hawaii | $1,485 | |
|
| Ocean Harbor | $2,788 | |
$1 million
Company | Annual rate | ||
|---|---|---|---|
|
| RLI | $1,060 | |
|
| DB Insurance | $1,163 | |
|
| State Farm | $1,184 | |
|
| Allstate | $1,971 | |
|
| AIG | $2,104 | |
|
| Island Insurance | $2,118 | |
|
| First Insurance Company of Hawaii | $3,459 | |
|
| Ocean Harbor | $4,733 | |
Island home insurance coverage
Since Hawaii is also vulnerable to floods and hurricanes, you can also buy flood and hurricane insurance. This coverage is available to homeowners, condo owners and renters at an extra cost.
Island Insurance offers the standard types of home coverage you'd find with larger carriers.
- Dwelling coverage protects your home and any other structures on your property.
- Personal property protection coverage protects the items you keep in your home, including electronics, clothing, appliances, food and jewelry.
- Liability protection coverage pays for injuries or damages that happen on your property or that you or your household members cause to another person's property.
Island home insurance discounts
Island Insurance offers a few discounts on coverage. However, their website doesn't go into extensive detail about the discounts they offer. You'll need to speak with an agent to learn more about their full range of discounts.
- Island package bundle: When you buy car and home, renters or condo insurance with Island Insurance, you can save up to 10% on your rates.
- Group rates: If you belong to certain organizations, like the Hawaii State Teachers Association, you may be able to get a discount on coverage.
Island auto and home ratings and reviews
Customers are typically satisfied with the service they get from Island Insurance.
The company gets fewer complaints than an average insurance company its size, according to the National Association of Insurance Commissioners (NAIC). Island Insurance gets 9% fewer complaints about its home insurance policies than an average company its size, according to the NAIC. They also have an A+ rating with the Better Business Bureau. This high rating means you're likely to get a response if you file a complaint through the platform. However, there are very few complaints on record with the BBB, suggesting that the company responds well to claims and problems with coverage.
Island Insurance also has an excellent "A" rating from A.M. Best. This means the company is financially stable and likely won't have trouble paying for claims.
Frequently asked questions
How much does Island car insurance cost?
Full coverage car insurance from Island Insurance costs drivers an average of $128 per month. Minimum coverage costs an average of $34 per month. If you have an accident, DUI or speeding ticket on your record, you can expect to pay more.
Is Island Insurance more expensive than other companies?
Full coverage car insurance from Island Insurance is cheaper than average in Hawaii with rates averaging $148 per month. Drivers pay an average of $128 per month for full coverage from Island Insurance. However, Geico charges drivers an average of $77 per month for full coverage auto insurance, making it the cheapest in the state.
For homeowners insurance, homeowners pay an average of $927 per year for $350,000 of dwelling coverage through Island. If you're considering home insurance, you may want to shop around. Other companies may offer you better rates.
Who offers the cheapest car insurance in Hawaii?
Geico offers the cheapest full coverage insurance for most drivers in Hawaii at $77 per month. However, if you're looking for a local insurance company, Island is still typically more affordable than other options. On average, drivers pay $128 per month for full coverage from Island Insurance.
Will I get a discount on coverage if I bundle home and auto insurance?
You may be able to get a discount of up to 10% from Island Insurance if you buy both home and car insurance. Talk to your agent to see if you qualify and how much you could save.
Methodology
To compare the cost of Island Insurance's auto and homeowners insurance, ValuePenguin used sample profiles based on typical customers.
Auto insurance 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.
Home insurance methodology
ValuePenguin collected quotes for $150,000, $350,000 and $550,000 of dwelling coverage to find the average cost of State Farm homeowners insurance. Quotes are for a married man living in an Illinois house built in 1977. He has been claim-free for five years and has an average credit score.
Editor's rating
ValuePenguin derives its star rating from a set of weighted factors to provide an all-around metric.
Factor | Weight in rating |
|---|---|
| Price | 30% |
| Coverage options | 30% |
| Customer service | 30% |
| Unique offerings | 10% |
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.
