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- Car insurance in Hawaii averages $50 per month for minimum-coverage policies and $156 each month for full coverage.
- USAA offers the lowest average prices in Hawaii for both minimum and full coverage.
- High-risk drivers with at-fault accidents, DUIs, and speeding tickets on their driving records often pay more for Hawaii car insurance.
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For drivers in the Aloha State, USAA offers the cheapest auto insurance on average, with premiums as low as $24 per month for minimum-coverage policies. Hawaiian drivers who can’t qualify for USAA coverage are likely to find the next-cheapest policy at GEICO.
Our reviews team has put in 1,950 hours researching 43 different car insurance companies. We have analyzed 4,330 online reviews, surveyed over 8,500 customers, and took a deeper look at each insurer’s industry reputation and coverage options to find the best car insurance in Hawaii. In this article, we’ll cover which companies in Hawaii can give you the cheapest, high-quality car insurance.
Best Car Insurance Rates in Hawaii
USAA, GEICO, and Island Insurance Companies are the top three cheapest car insurance companies in Hawaii. While they offer affordable average rates, you should still compare quotes between them to find your best car insurance premium. Here are some things to keep in mind when browsing cost data:
- To find the average coverage prices of these companies, our researchers gathered cost data from Quadrant Information Services. The cost data in the tables below are organized by driver profiles, coverage levels, and different cities and towns in Hawaii.
- Our overall ratings out of 5.0 come from how well each car insurance company did across five key categories: affordability, availability, reputation, customer experience, and coverage options.
- Most car insurance premiums you’ll find below are based on the profile of a 35-year-old married motorist with good credit and a clean driving record. You can assume this is the profile used unless stated otherwise.
- USAA is the cheapest, but you have to be an active military member, a veteran, or a family member of a military person to qualify for coverage. Drivers who can’t qualify for USAA will find the cheapest coverage at GEICO.
Here are the cheapest companies for each section in a nutshell:
- Cheapest full coverage: USAA, followed by GEICO
- Cheapest minimum coverage: USAA, followed by GEICO
- Cheapest for teen drivers: USAA, followed by GEICO
- Cheapest for drivers with a traffic violation: USAA, followed by 21st Century
Cheapest Car Insurance Companies in Hawaii
Across most states, USAA and GEICO are usually the cheapest companies that offer high-quality coverage – and this includes Hawaii. However, State Farm makes our list for the best car insurance provider overall for its savings opportunities, coverage selection, and high-ranking performance in J.D. Power studies for customer satisfaction.
Below, you can see the top five best and cheapest auto insurance providers to check out in Hawaii, along with their average premiums, number of discounts, and overall ratings from us.
|Car Insurance Provider||Overall Rating||Average Monthly Rate: Minimum Coverage||Average Monthly Rate: Full Coverage||Number of Discounts|
Cheapest Car Insurance Coverage in Hawaii
Opting for minimum coverage will help you get the cheapest car insurance possible in Hawaii. This will include the lowest amounts of liability coverage and personal injury protection (PIP insurance) legally required in the state.While this will help you achieve coverage for the lowest amount possible, our team recommends getting full-coverage car insurance.
A full-coverage policy will cost more in premiums, but it will include extra protection for you and your passengers, and will save you from having to make stunningly high out-of-pocket costs for your repairs and injuries if you ever get into a major car accident in Hawaii.
Cheapest Minimum-Liability Car Insurance in Hawaii
The average rate for minimum-coverage Hawaii auto insurance is $604 annually or $50 monthly. Drivers may find cheaper coverage at USAA, which sports an average minimum-coverage annual premium of $289.
|Car Insurance Provider||Average Monthly Rate for Minimum Coverage||Average Yearly Rate for Minimum Coverage|
|Island Insurance Companies||$35||$423|
Cheapest Full-Coverage Car Insurance in Hawaii
Full-coverage car insurance policies average out to $156 monthly or $1,873 annually in Hawaii. Overall, USAA provides the cheapest average premium for full-coverage auto insurance at $1,139 per year or $95 per month.
|Car Insurance Provider||Average Monthly Rate for Full Coverage||Average Yearly Rate for Full Coverage|
|Island Insurance Companies||$139||$1,668|
Hawaii Car Insurance Quotes by Driver Profile
It’s important to keep in mind that the above cost data are just averages based on a specific profile. Your own coverage rates from car insurance providers in Hawaii will likely vary. Auto insurers take many parts of a car owner’s life into consideration when setting their premium.
If you’re a Hawaiian resident and driver, you happen to be in one of the few lucky states that doesn’t allow car insurance companies to use your age, gender, and credit history to set your rate. However, there are other factors that insurers will use. These include where you live, your driving history, and the make, model, and age of your vehicle.
That’s why it’s important to get your own personalized quotes from multiple providers to compare rates.
Cheapest Car Insurance in Hawaii: Age
As mentioned, you don’t have to worry about your age affecting your rates if you’re a driver in the Aloha State. The table below shows how rates for both full and minimum-coverage auto insurance policies don’t vary much based on age alone:
|Driver Age||Average Monthly Rate for Minimum Coverage||Average Monthly Rate for Full Coverage|
Cheapest Car Insurance in Hawaii: High-Risk Drivers
While you don’t have to worry about your age or credit score messing with your car insurance premium, you do need to think about your driving history.
Car insurance companies in Hawaii will determine how much of a risk you are to insure by a few specific things. These include how many claims you’ve recently filed, how many at-fault accidents you’ve been in for the last five years, and whether you’ve gotten any recent speeding tickets, DUIs, or other punishments for traffic violations.
If you’ve had an accident-and-violation-free driving history for the last three-to-five years, you’re going to get the cheaper rates. If you have any at-fault accidents or DUIs in that time frame, your rates will skyrocket significantly. In the table below, you can compare the average rates of clean-record drivers vs. high-risk drivers:
|Car Insurance Provider||Average Monthly Rate for Clean Driving Records||Average Monthly Rate for High-Risk Drivers|
|Island Insurance Companies||$35||$132|
Car Insurance Rates in Hawaii: Speeding Ticket
If you’ve gotten multiple speeding tickets, you’re more likely to find the cheapest rates at USAA or GEICO. With USAA, minimum coverage costs average out to $303 per year or $25 per month.
|Car Insurance Provider||Average Monthly Rate After a Speeding Ticket||Average Yearly Rate After a Speeding Ticket|
|Island Insurance Companies||$38||$459|
Car Insurance Rates in Hawaii: At-Fault Accident
Motorists who cause road collisions and other kinds of accidents will always see their rates jump up significantly. If this applies to you, your best bet is USAA, which offers the most affordable average rate at $31 per month for minimum coverage. GEICO and Island Insurance Companies are also safer bets.
|Car Insurance Provider||Average Monthly Rate After an At-Fault Accident||Average Yearly Rate After an At-Fault Accident|
|Island Insurance Companies||$47||$569|
Car Insurance Rates in Hawaii: DUI
Motorists caught driving under the influence (DUI) will see high auto insurance premiums. For DUI drivers seeking minimum coverage, USAA provides the most affordable average rates at $48 per month or $576 per year.
|Car Insurance Provider||Average Monthly Rate After a DUI||Average Yearly Rate After a DUI|
|Island Insurance Companies||$310||$3,725|
Average Cost of Car Insurance in Hawaii
The cost of car insurance in Hawaii averages out to $604 annually for minimum coverage. This is about 2% lower than the national average, which is $635 annually. The average cost of full coverage in Hawaii is $1,873 per year. These rates are about 3% lower than the national average ($1,730 per year).
Average Car Insurance Cost in Hawaii by City
Location is another thing car insurance companies will look at to set your premium. The closer you are to a larger metropolitan area, the more likely your rates will be higher. This is because there are more cars on the road in these areas, which is why smaller towns and more remote areas will garner smaller costs. The table below shows the average rates for car insurance in Hawaii’s largest cities.
|Cities in Hawaii||Average Monthly Rate for Minimum Coverage||Average Monthly Rate for Full Coverage|
|Hawaiian Paradise Park||$51||$167|
Hawaii Minimum Car Insurance Coverage
These are the auto insurance requirements to legally drive in the Aloha State:
- $20,000 bodily injury liability per person
- $40,000 bodily injury liability per accident
- $10,000 property damage liability per accident
- $10,000 personal injury protection
The penalties for not meeting the state-minimum requirements for car insurance are fines, community service, and license suspension.
While this is the least amount of coverage you need to legally drive, most car insurance companies will recommend that you get a higher coverage amount of liability coverage and PIP insurance. You should also add underinsured/uninsured motorist coverage for when you get into an accident with a driver who has little to no auto insurance coverage.
Liability insurance will protect other drivers and parties involved in an accident you cause, but will not protect the injuries of you or your passengers, and it won’t cover your vehicle repairs and property damages. Comprehensive and collision coverage will take care of your car’s damages from road accidents, fire, floods, theft, vandalism, and other environmental impacts.
PIP insurance will help with your medical bills and lost wages, but given how expensive hospital bills tend to be, having just the minimum amount of required PIP may not be enough.
Cheap Car Insurance in Hawaii: Conclusion
You can find the most affordable car insurance at USAA, which sports a premium average of $24 per month. You can also find the cheapest coverage at GEICO and the Island Insurance Companies.
Since premiums are based on many things specific to your own driving profile, you should compare auto insurance quotes to get a more clear idea of what you’d pay. You can usually get quotes by going online or contacting an insurance agent directly.
Best Car Insurance in Hawaii: Recommended Providers
USAA provides the cheapest high-quality car coverage in Hawaii, but if you don’t qualify for USAA, there are other companies to keep in mind. After a thorough review of each, our reviews team recommends collecting quotes from both State Farm and GEICO.
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State Farm: 4.7 out of 5.0
State Farm isn’t the cheapest company in Hawaii, but if you’re looking for quality over quantity, this company is worth considering. State Farm offers a multitude of coverage options on top of countless savings opportunities, from its Drive Safe & Save™ usage-based insurance program to its fantastic 25%-off good student discount.
Read more: State Farm insurance reviews
GEICO: 4.6 out of 5.0
GEICO has been mentioned repeatedly in this article as one of the cheapest providers in Hawaii, and part of this is because the company offers 16 different discounts that can work for many kinds of motorists. GEICO also features a DriveEasy program that can help drivers save money on premiums by practicing safe driving habits.
Read more: Geico insurance reviews
Cheapest Auto Insurance in Hawaii: FAQ
Which company gives the cheapest car insurance?
USAA and GEICO tend to offer the cheapest car insurance rates across the nation. In Hawaii, USAA and GEICO are the cheapest high-quality car insurance providers. USAA’s minimum-coverage average is $24 per month and GEICO’s average is $26 per month.
How much is car insurance per month in Hawaii?
The average cost of car insurance per month in Hawaii is $50 for a minimum-coverage policy and $156 for full coverage. For annual rates, it would be $600 for minimum coverage and $1,872 for full coverage.
How to reduce car insurance in Hawaii?
Here’s how to reduce car insurance costs in Hawaii:
1. Opt for lower amounts of coverage.
2. Increase your deductible.
3. Look for special discounts at your company.
4. Bundle your auto insurance with other policies, like homeowners or renters insurance.
Is it illegal to drive without insurance in Hawaii?
Yes, it’s illegal to drive without car insurance in Hawaii. You need to have the following coverage amounts to legally drive:
–$20,000 bodily injury liability per person
–$40,000 bodily injury liability per accident
–$10,000 property damage liability per accident
–$10,000 personal injury protection
Is it cheaper to pay car insurance every six months or monthly?
You can find more affordable coverage by paying car insurance every six months instead of every month. Many auto insurance companies have ‘pay-in-full’ discounts for drivers that pay for their entire policy every six months or every year. However, a lot of insurance companies don’t offer this discount.
Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.
- Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
- Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
- Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
- Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
- Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
- Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.
*Data accurate at time of publication.