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Meaghan Hunt Meaghan Hunt
Written by
Natasha Cornelius, CLU Natasha Cornelius, CLU
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Natasha Cornelius, CLU Natasha Cornelius, CLUEdited by
Updated Apr 11, 2024
Bankrate research shows Geico, USAA, State Farm, Allstate and Farmers offer some of the best car insurance in Hawaii.
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On this page
Bankrate’s insurance editorial team has first-hand experience helping drivers find the best car insurance that meets their needs without breaking their budget. To assist our readers in the Aloha State, we conducted a thorough study of Hawaii car insurance. During our research, we found that Hawaii’s average rates for car insurance are among the cheapest in the country, costing 29 percent less than the national average cost of a full coverage car insurance policy. This may be because Hawaii has some of the strictest laws in the country regarding the rating factors carriers can use to determine your rate. Geico may offer the most affordable rates for Hawaii drivers, while those who rideshare may want to consider Allstate.
Finally, we found that the companies below offer some of the best car insurance in Hawaii:
- Geico
- USAA
- State Farm
- Allstate
- Farmers
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On This Page
On This Page
- Best car insurance companies in Hawaii
- How to find the best car insurance in Hawaii
- How much is car insurance in Hawaii?
- Estimate your car insurance cost
- Frequently asked questions
- Methodology
Best car insurance companies in Hawaii
According to proprietary data from Quadrant Information Services, the average cost of a full coverage policy in Hawaii is $1,650 per year; minimum coverage averages $413. However, to find the best car insurance in Hawaii, Bankrate also evaluated third-party scores from J.D. Power's 2023 Auto Claims Satisfaction Study, digital tool functionality, AM Best financial strength ratings and more. We used all of this information to create a Bankrate Score, out of a possible five points, to help you identify which companies may be right for you.
Based on our research, Geico, USAA, State Farm, Allstate and Farmers are among the best Hawaii auto insurance.
| Insurance company | Bankrate score | Average full coverage rate | Average min coverage rate |
|---|---|---|---|
Geico | 4.4 Rating: 4.4 stars out of 5 | $1,526 | $310 |
USAA | 4.2 Rating: 4.2 stars out of 5 | $1,173 | $264 |
State Farm | 4.3 Rating: 4.3 stars out of 5 | $2,282 | $617 |
Allstate | 3.9 Rating: 3.9 stars out of 5 | $1,474 | $453 |
Farmers | 3.8 Rating: 3.8 stars out of 5 | $1,911 | $540 |
Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
Rates refreshed as of Apr 2024
Read our full methodology
Geico
Avg. full coverage premium
$127/mo
Avg. full coverage premium
$1,526/yr
Customer satisfaction
Not rated
Why Geico made our list:Geico offers some of the best car insurance rates in Hawaii and has an impressive list of discounts that might help you save even more. You may be eligible for discounts based on your vehicle’s safety equipment, whether you’re a military member or government employee, for being a good student, among other opportunities. Although Geico offers special savings for military members (including a deployment discount), the company doesn’t have eligibility restrictions like USAA.
Who Geico may be good for:Drivers looking for a cheap, fairly basic car insurance policy in Hawaii might want to request a quote from Geico.
Read fullGeico Insurance review
Pros
- Lower-than-average rates in Hawaii
- Highly-rated mobile app and online policy portal
Cons
- Telematics discount program is not available in Hawaii
- Only one brick-and-mortar agency in Hawaii (Honolulu)
Robust digital tools
Long list of potential discounts
Nationwide availability
DriveEasy telematics program
Offers coverage to drive in Mexico
USAA
Avg. full coverage premium
$98/mo
Avg. full coverage premium
$1,173/yr
Customer satisfaction
Not rated
Why USAA made our list:Although USAA is only available to military members, veterans and their immediate family, those who do qualify may enjoy some of the best customer service available. Because of its strict eligibility requirements, USAA is not officially ranked by J.D. Power. Still, it earned the highest score in the 2023 U.S. Auto Claims Satisfaction Study of all the companies on this list.
Read fullUSAA Insurance review
Pros
- Consistently high scores with J.D. Power
- In-tune with the unique needs of military members
Cons
- May not be the best option for those who prefer to do business face to face, since customer service is only available over the phone and online
- Customer service is not 24/7
Since the state has around a dozen military bases and installations, USAA could be an excellent choice for military members in Hawaii seeking excellent customer service, as well as low average premiums.
State Farm
Avg. full coverage premium
$190/mo
Avg. full coverage premium
$2,282/yr
Customer satisfaction
Not rated
Why State Farm made our list:Hawaii might be a remote tropical paradise, but22 citiesacross the islands include a State Farm agency. Since these agents likely live in the area they service, they are typically more familiar with the coverages drivers need locally than an agent in a generic call center. For those who enjoy taking a hands-on approach with their insurance, State Farm won fourth place in the service category in theJ.D. Power 2023 U.S. Insurance Digital Experience Study.
Read fullState Farm Insurance review
Pros
- Many lines of insurance available, which could make it an appealing option for drivers who want to keep all of their insurance needs under one roof
- Plenty of discount opportunities
Cons
- Accident forgiveness can only be earned and is not available for purchase
- Average minimum coverage rate is higher than the Hawaii average
Drivers in Hawaii who want to support a business in their community while receiving personalized customer service might find State Farm to be an attractive option.
Allstate
Avg. full coverage premium
$123/mo
Customer satisfaction
Not rated
Why Allstate made our list:Ridesharing coverage can be hard to find, but Allstate’sRide for Hireprogram could be a good solution for Uber and Lyft drivers in Hawaii. The company boasts that this option costs pennies a day and may cover the gaps in coverage that your transportation network company (TNC) policy might leave while you’re waiting for a passenger assignment.
Read fullAllstate Insurance review
Pros
- Strong digital presence via the company’s mobile app and online policy portal
- Rates may be higher than average, but Allstate offers many discounts that could help lower its base premium
Cons
- Relatively expensive average premiums in Hawaii
- Customer service may be lacking, according to Allstate’s National Association of Insurance Commissioners (NAIC) Complaint Index Score
Uber and Lyft drivers in Hawaii may want to consider contacting Allstate for a quote in its Ride for Hire program.
Farmers
Avg. full coverage premium
$159/mo
Avg. full coverage premium
$1,911/yr
Customer satisfaction
Not rated
Why Farmers made our list:Farmers' long list of coverage options helps it stand apart from its competitors. In addition to standard coverage types, Farmers offers new car replacement, original equipment manufacturer (OEM) coverage and other unique options. For instance, classic car owners may want to add the company's Guaranteed Value coverage, which can pay an agreed-upon value if your vehicle is declared a total loss. Hobby mechanics might want to consider Farmers' spare parts add-on, which can provide up to $750 in coverage for spare parts damaged or destroyed in a covered loss.
Read fullFarmers Insurance review
Pros
- Scored above the industry average for claims satisfaction, according to J.D. Power
- Farmers’ TrueCar partnership could help Hawaii drivers find the best deal on their new vehicle
Cons
- Average premiums far exceed the Hawaii average
- Tech-savvy drivers might want to note that Farmers scored below average in the service category in the J.D. Powers 2023 U.S. Insurance Digital Experience Study
Farmers could be worth it for those who don’t mind paying higher premiums for a suite of unique coverage options.
How Bankrate chose the best car insurance companies in Hawaii
First, our insurance editorial team analyzed average premiums sourced from analytics company Quadrant Information Services. However, our time in the field has taught us that the best insurance isn’t always the cheapest.
In addition to average rates, we reviewed other important metrics such as third-party customer satisfaction scores and discount availability. Using this information, we assigned each company a Bankrate Score. The Scores are on a scale of 0.0 to 5.0. The higher the Bankrate Score, the more highly rated the company was in each scoring category. We hope that our holistic scoring method provides our readers with what they need to make informed decisions as they shop for new coverage.
Why you can trust Bankrate
To help Hawaii drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.
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ZIP codes examined
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quotes analyzed
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How to find the best car insurance in Hawaii
Car insurance is legally required in almost every state, Hawaii included. Outside of these requirements, a robust car insurance policy can help protect you from financial devastation in the event of an accident. When shopping for the best Hawaii car insurance, you may want to keep the following things in mind:
New
News that affects Hawaii car owners
In August 2023, wildfires on the island of Maui caused an estimated $4 to $6 billion in economic loss, according to a Moody’s Risk Management Solutions report. Almost 100 people were confirmed dead after the fires, meaning they were among the deadliest fires in recent U.S. history. Insurance companies are reassessing insurance risk in the state as a result of the devastation.
- The most heavily impacted areas included Lahaina, Kihei and upcountry Maui regions.
- Though a specific cause has yet to be named for the fires, a downed power line in the wake of high winds related to Hurricane Dora (which did not make landfall in Hawaii but passed nearby) is suspected as a contributing factor.
- As of January 2024, 40 percent of the wildfire claims have yet to be paid. This amount totals more than $440 million.
- An estimated 4,000 cars burned in the fires, and Maui County worked to identify the owners of almost 1,000 incinerated vehicles that were left in public areas. As of February 2024, the county was still searching for the owners of 21 vehicles.
Motor vehicle theft rose sharply in Hawaii County on the Big Island during the pandemic, increasing by 26.5 percent from 2019 to 2020, according to statistics from the Hawaii Police Department. That’s a 53 percent increase from 2011, with automobiles accounting for over 92 percent of thefts. The same report shows a decrease of 39 percent in Maui County and almost 41 percent in Kauai County from 2019 to 2020. If you live in an affected area with higher crime rates, comprehensive coverage can help you repair your vehicle or cover its value if it’s not recovered or beyond repair.
Related content:
Average cost of car insurance in HawaiiPreviously Read
Cheapest car insurance in HawaiiPreviously Read
Best Homeowners Insurance in HawaiiPreviously Read
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How much is car insurance in Hawaii?
Luckily for those in Hawaii, car insurance in the Aloha State is much lower than the national average. The average cost for a full coverage car insurance policy in Hawaii is $1,650 per year. Minimum coverage averages $413 per year. For comparison, the average rates nationwide are $2,314 and $644, respectively.
Hawaii is situated in the Pacific Ocean, over 2,000 miles from the U.S. mainland. However, for the sake of comparison, let’s review the average rates of some of its closest neighbors: Alaska and California. Alaska’s average full coverage premium is $2,336 per year; its minimum coverage is $498. California’s average premiums are also much higher than Hawaii’s, with full coverage coming in at $2,663 and minimum coverage at $647 per year on average.
Hawaii has strict laws on what factors car insurance companies can use to determine your premium, likely affecting average rates. In Hawaii, your credit score, age, marital status and gender cannot affect your premium. California has similar laws but still allows insurance companies to consider your age and marital status. Alaska has no such limitations.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|
| Kaunakakai | $1,578 | -4% |
| Keaau | $1,773 | +7% |
| Koloa | $1,444 | -13% |
| Laupahoehoe | $1,773 | +7% |
| Wailuku | $1,578 | -4% |
| Honolulu | $1,655 | +0% |
| Schofield Barracks | $1,655 | +0% |
| Tripler Army Medical Center | $1,655 | +0% |
| Fort Shafter | $1,655 | +0% |
| Eleele | $1,444 | -13% |
| Princeville | $1,444 | -13% |
| Aiea | $1,649 | -0% |
| Hana | $1,578 | -4% |
| Hawaii National Park | $1,773 | +7% |
| Hilo | $1,773 | +7% |
| Kahului | $1,578 | -4% |
| Hakalau | $1,773 | +7% |
| Hanapepe | $1,444 | -13% |
| Honomu | $1,773 | +7% |
| Hawi | $1,773 | +7% |
| Honokaa | $1,773 | +7% |
| J B P H H | $1,655 | +0% |
| Kapolei | $1,649 | -0% |
| M C B H Kaneohe Bay | $1,655 | +0% |
| Wake Island | $1,655 | +0% |
| Captain Cook | $1,773 | +7% |
| Holualoa | $1,773 | +7% |
| Kailua | $1,649 | -0% |
| Kalaupapa | $1,577 | -5% |
| Kunia | $1,649 | -0% |
| Laie | $1,649 | -0% |
| Lanai City | $1,514 | -9% |
| Makawao | $1,578 | -4% |
| Naalehu | $1,773 | +7% |
| Papaikou | $1,773 | +7% |
| Pearl City | $1,649 | -0% |
| Waipahu | $1,657 | +0% |
| Kealakekua | $1,773 | +7% |
| Lihue | $1,444 | -13% |
| Makaweli | $1,444 | -13% |
| Mililani | $1,649 | -0% |
| Waimanalo | $1,649 | -0% |
| Camp H M Smith | $1,655 | +0% |
| Anahola | $1,444 | -13% |
| Ocean View | $1,773 | +7% |
| Haiku | $1,578 | -4% |
| Hauula | $1,649 | -0% |
| Kekaha | $1,444 | -13% |
| Maunaloa | $1,578 | -4% |
| Kihei | $1,578 | -4% |
| Ookala | $1,773 | +7% |
| Paauilo | $1,773 | +7% |
| Paia | $1,578 | -4% |
| Lahaina | $1,578 | -4% |
| Hanalei | $1,444 | -13% |
| Kaaawa | $1,649 | -0% |
| Kahuku | $1,649 | -0% |
| Wheeler Army Airfield | $1,655 | +0% |
| Honaunau | $1,773 | +7% |
| Waikoloa | $1,773 | +7% |
| Kamuela | $1,773 | +7% |
| Kilauea | $1,444 | -13% |
| Mountain View | $1,773 | +7% |
| Waialua | $1,649 | -0% |
| Waianae | $1,649 | -0% |
| Ewa Beach | $1,657 | +0% |
| Haleiwa | $1,649 | -0% |
| Hoolehua | $1,578 | -4% |
| Ninole | $1,773 | +7% |
| Pepeekeo | $1,773 | +7% |
| Kula | $1,578 | -4% |
| Keauhou | $1,773 | +7% |
| Kurtistown | $1,773 | +7% |
| Pahala | $1,773 | +7% |
| Puunene | $1,578 | -4% |
| Kailua Kona | $1,773 | +7% |
| Kapaa | $1,444 | -13% |
| Kaneohe | $1,649 | -0% |
| Kealia | $1,444 | -13% |
| Pahoa | $1,773 | +7% |
| Volcano | $1,773 | +7% |
| Kaumakani | $1,444 | -13% |
| Wahiawa | $1,649 | -0% |
| Kalaheo | $1,444 | -13% |
| Kapaau | $1,773 | +7% |
| Papaaloa | $1,773 | +7% |
| Waimea | $1,444 | -13% |
Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
Rates refreshed as of Apr 2024
Read our full methodology
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Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze the latest rates in April 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
Meaghan Hunt is a researcher, writer, and editor across disciplines with a passion for personal finance topics. After a decade of working in public libraries, she now writes, edits, and researches as a full-time freelancer.
