Cheap Car Insurance Hawaii: Cost and Companies (2024) (2024)

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Car insurance rates are slightly above the national average in Hawaii. But that shouldn’t stop you from finding great car insurance in the Aloha State at excellent rates. Here, we’ll look at the cheapest car insurance companies and coverage options in the state, starting with the most affordable providers and coverage options.

Cheapest Insurance Companies in Hawaii

The cheapest car insurance companies in Hawaii are Geico, State Farm, USAA, Progressive and Farmers. Each company offers affordable car insurance, various coverage options and strong customer service.

*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Hawaii.

Car insurance companies have different calculation methods for premiums. Because of this, no two quotes are the same. For this reason, we recommend comparing rates from multiple providers if you want to find the cheapest car insurance in Hawaii.

Cheapest Hawaii Car Insurance Coverage

The coverage level you choose can have a significant impact on the price you pay for car insurance. Most providers give estimates for minimum liability and full coverage car insurance when you shop for car insurance. While minimum liability is all that is required, it’s worth considering a full coverage auto insurance policy for peace of mind.

Cheapest Liability Insurance Hawaii

At $23 per month or $275 per year, USAA provides the cheapest liability insurance in Hawaii for most drivers. Geico, Island Insurance and Allstate are also great options for Hawaii motorists.

Cheapest Full Coverage Car Insurance Hawaii

USAA offers the cheapest full coverage car insurance on average in Hawaii, costing $84 per month or $1,006 per year. Allstate, Geico and Island Insurance are also affordable options for a full coverage policy in the Aloha State.

Several factors impact the cost of car insurance in Hawaii, including your driving history. In the sections below, we’ll compare cheap car insurance estimates for Hawaii drivers in these categories.

Cheapest Car Insurance in Hawaii for High-risk Drivers

High-risk drivers who have a DUI, speeding ticket or recent accident on their driving record can pay substantially more for auto insurance. The sections below provide estimates for the cheapest car insurance rates for drivers who may fall into these categories.

Cheap Hawaii Car Insurance for Drivers With a Speeding Ticket

Having a recent speeding ticket on your record will raise your rates for car insurance in Hawaii. On average, motorists with a speeding violation pay $124 each month or $1,490 per year for full coverage car insurance.

Cheap Hawaii Car Insurance for Drivers With a Recent Accident

Your car insurance rates in the Aloha State will skyrocket after a recent accident. Based on our rate estimates, drivers pay an average of $148 per month or $1,778 per year for full coverage insurance after an accident.

Cheap Hawaii Car Insurance for Drivers With a DUI

Hawaii drivers pay a steep price for car insurance after a DUI, since most car insurance companies will view you as a high-risk driver. Our research found full coverage car insurance costs about $362 per month or $4,338 per year after a DUI.

Full coverage car insurance in Hawaii generally costs around $1,819 per year, or $152 per month, which is near the national average of $1,730 per year, or $144 per month.

Here’s a look at how car insurance costs in Hawaii compare to other states in the nation.

For minimum liability coverage, Hawaii drivers pay an average of $625 per year, or $52 per month, which is just below the national average of $635 annually or $53 monthly.

Hawaii Auto Insurance Cost by City

While car insurance costs usually vary by area and city, Hawaii insurance costs are relatively steady across the entire state. You can expect to find slightly cheaper rates on Maui than on Oahu.

*Average estimates apply to the three most popular companies per city.

Factors That Affect Car Insurance Quotes Hawaii

Your auto insurance rates largely depend on your situation and the type of vehicle you own. Unlike in most states, credit scores play zero role in determining how much drivers pay for car insurance in Hawaii. Your age, gender, marital status and length of driving experience are also excluded from rate calculations in the Aloha State.

Each insurance provider weighs factors differently, but insurers in Hawaii typically look at:

• Your vehicle make and model
• Your location
• Your driving record
• Your chosen deductible amount
• Whether you’re bundling an auto policy with homeowners or renters insurance

Hawaii is a no-fault state, meaning your insurance company is responsible for paying medical expenses incurred during an accident regardless of who caused it. Because of this, you cannot sue or be sued unless you have serious injuries stemming from the car accident.

Due to these state laws, all drivers are required to have personal injury protection (PIP) coverage in addition to liability car insurance. Here are the minimum coverage requirements for car insurance in Hawaii:

• Bodily injury liability insurance: $20,000 per person and $40,000 per accident
• Personal injury protection: $10,000 per person
• Property damage liability insurance: $10,000 per person

Optional Auto Insurance in Hawaii

For full car insurance coverage, you can also choose to purchase:

• Collision insurance
• Comprehensive insurance
• Uninsured motorist/underinsured motorist coverage

How to Get Hawaii Car Insurance

Whether you’re looking to purchase state minimum liability coverage or an extensive auto insurance policy, the easiest way to ensure you’re getting the best prices possible is to compare car insurance quotes online. This method allows you to find the top provider of car insurance in Hawaii for your situation and vehicle.

Aloha State residents will generally find their best and cheapest car insurance coverage through Geico, State Farm, USAA and Progressive. These companies all combine low prices with strong coverage and service from insurance agents.

Cheap Car Insurance Hawaii: FAQ

Below are frequently asked questions about cheap car insurance in Hawaii:

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

• Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
• Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
• Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

• 800 hours researched
• 45 companies reviewed
• 8,500+ consumers surveyed

*Data accurate at time of publication.