Cheap Car Insurance in Hawaii for May 2024 - NerdWallet (2024)

Auto insurance is an important purchase, but finding cheap car insurance in Hawaii isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Hawaii is Geico at $1,359 per year on average, or $113 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Hawaii. Meanwhile, the average cost of full coverage car insurance in Hawaii is $1,889 per year, or about $157 per month.

Minimum coverage in Hawaii is $537 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in Hawaii at $278 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

NerdWallet’s editorial team analyzed car insurance rates from 6 auto insurers in Hawaii and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in Hawaii. For full coverage, we used the below coverage limits:

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Hawaii for 20-year-olds

Drivers in Hawaii with clean driving records may want to consider the following companies, which had the lowest average rates:

1. Geico: $1,359 per year, or about $113 per month.
2. Progressive: $1,874 per year, or about $156 per month.
3. Island Insurance: $1,889 per year, or about $157 per month.
4. State Farm: $1,980 per year, or about $165 per month.
5. Allstate: $2,389 per year, or about $199 per month.

Cheapest minimum coverage car insurance in Hawaii for 20-year-olds

Drivers in Hawaii who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

1. Geico: $278 per year, or about $23 per month.
2. Island Insurance: $491 per year, or about $41 per month.
3. State Farm: $599 per year, or about $50 per month.
4. Allstate: $604 per year, or about $50 per month.
5. Progressive: $720 per year, or about $60 per month.

Cheapest auto insurance in Hawaii for 20-year-olds with poor credit

Drivers with poor credit in Hawaii should look at the following insurers with the lowest average rates for minimum coverage:

1. Geico: $278 per year, or about $23 per month.
2. Island Insurance: $491 per year, or about $41 per month.
3. State Farm: $599 per year, or about $50 per month.
4. Allstate: $604 per year, or about $50 per month.
5. Progressive: $720 per year, or about $60 per month.

Cheapest auto insurance in Hawaii for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Hawaii, here are the companies with the lowest average rates for minimum coverage:

1. Geico: $306 per year, or about $26 per month.
2. Island Insurance: $525 per year, or about $44 per month.
3. State Farm: $625 per year, or about $52 per month.
4. Allstate: $805 per year, or about $67 per month.
5. Progressive: $985 per year, or about $82 per month.

Cheapest auto insurance in Hawaii for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Hawaii, here are the companies with the lowest average rates for minimum coverage:

1. Geico: $334 per year, or about $28 per month.
2. Island Insurance: $626 per year, or about $52 per month.
3. State Farm: $705 per year, or about $59 per month.
4. Allstate: $1,026 per year, or about $85 per month.
5. Progressive: $1,111 per year, or about $93 per month.

Cheapest auto insurance in Hawaii for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

1. Geico: $834 per year, or about $70 per month.
2. State Farm: $843 per year, or about $70 per month.
3. Progressive: $1,188 per year, or about $99 per month.
4. Allstate: $2,926 per year, or about $244 per month.
5. Island Insurance: $3,538 per year, or about $295 per month.

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Hawaii for 30-year-olds

Drivers in Hawaii who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

1. Geico: $1,359 per year, or about $113 per month.
2. Progressive: $1,874 per year, or about $156 per month.
3. Island Insurance: $1,889 per year, or about $157 per month.
4. State Farm: $1,980 per year, or about $165 per month.
5. Allstate: $2,389 per year, or about $199 per month.

Cheapest minimum coverage car insurance in Hawaii for 30-year-olds

Drivers in Hawaii who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

1. Geico: $278 per year, or about $23 per month.
2. Island Insurance: $491 per year, or about $41 per month.
3. State Farm: $599 per year, or about $50 per month.
4. Allstate: $604 per year, or about $50 per month.
5. Progressive: $720 per year, or about $60 per month.

Cheapest auto insurance in Hawaii for 30-year-olds with poor credit

Drivers with poor credit in Hawaii should consider the following companies with the lowest average rates for full coverage:

1. Geico: $1,359 per year, or about $113 per month.
2. Progressive: $1,874 per year, or about $156 per month.
3. Island Insurance: $1,889 per year, or about $157 per month.
4. State Farm: $1,980 per year, or about $165 per month.
5. Allstate: $2,389 per year, or about $199 per month.

Cheapest auto insurance in Hawaii for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Hawaii, here are the companies with the lowest average rates for minimum coverage:

1. Geico: $306 per year, or about $26 per month.
2. Island Insurance: $525 per year, or about $44 per month.
3. State Farm: $625 per year, or about $52 per month.
4. Allstate: $805 per year, or about $67 per month.
5. Progressive: $985 per year, or about $82 per month.

Cheapest auto insurance in Hawaii for 30-year-old drivers with one at-fault crash

For drivers in Hawaii with a recent accident, here are the lowest average rate options for full coverage:

1. Geico: $1,552 per year, or about $129 per month.
2. State Farm: $2,286 per year, or about $191 per month.
3. Island Insurance: $2,396 per year, or about $200 per month.
4. Progressive: $2,899 per year, or about $242 per month.
5. Allstate: $3,189 per year, or about $266 per month.

Cheapest auto insurance in Hawaii for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

1. State Farm: $2,684 per year, or about $224 per month.
2. Progressive: $3,141 per year, or about $262 per month.
3. Geico: $3,845 per year, or about $320 per month.
4. Allstate: $5,464 per year, or about $455 per month.

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Hawaii for 40-year-olds

Drivers in Hawaii with clean driving records may want to think about the following companies, which had the lowest average rates:

1. Geico: $1,359 per year, or about $113 per month.
2. Progressive: $1,874 per year, or about $156 per month.
3. Island Insurance: $1,889 per year, or about $157 per month.
4. State Farm: $1,980 per year, or about $165 per month.
5. Allstate: $2,389 per year, or about $199 per month.

Cheapest minimum coverage car insurance in Hawaii for 40-year-olds

Drivers in Hawaii who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

1. Geico: $278 per year, or about $23 per month.
2. Island Insurance: $491 per year, or about $41 per month.
3. State Farm: $599 per year, or about $50 per month.
4. Allstate: $604 per year, or about $50 per month.
5. Progressive: $720 per year, or about $60 per month.

Cheapest auto insurance in Hawaii for 40-year-olds with poor credit

Drivers with poor credit in Hawaii can check out the following insurers with the lowest average rates for full coverage:

1. Geico: $1,359 per year, or about $113 per month.
2. Progressive: $1,874 per year, or about $156 per month.
3. Island Insurance: $1,889 per year, or about $157 per month.
4. State Farm: $1,980 per year, or about $165 per month.
5. Allstate: $2,389 per year, or about $199 per month.

Cheapest auto insurance in Hawaii for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Hawaii, here are the companies with the lowest average rates for minimum coverage:

1. Geico: $306 per year, or about $26 per month.
2. Island Insurance: $525 per year, or about $44 per month.
3. State Farm: $625 per year, or about $52 per month.
4. Allstate: $805 per year, or about $67 per month.
5. Progressive: $985 per year, or about $82 per month.

Cheapest auto insurance in Hawaii for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Hawaii, here are the companies with the lowest average rates for full coverage:

1. Geico: $1,552 per year, or about $129 per month.
2. State Farm: $2,286 per year, or about $191 per month.
3. Island Insurance: $2,396 per year, or about $200 per month.
4. Progressive: $2,899 per year, or about $242 per month.
5. Allstate: $3,189 per year, or about $266 per month.

Cheapest auto insurance in Hawaii for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

1. State Farm: $2,684 per year, or about $224 per month.
2. Progressive: $3,141 per year, or about $262 per month.
3. Geico: $3,845 per year, or about $320 per month.
4. Allstate: $5,464 per year, or about $455 per month.

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Hawaii for 50-year-olds

Drivers in Hawaii with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

1. Geico: $1,359 per year, or about $113 per month.
2. Progressive: $1,874 per year, or about $156 per month.
3. Island Insurance: $1,889 per year, or about $157 per month.
4. State Farm: $1,980 per year, or about $165 per month.
5. Allstate: $2,389 per year, or about $199 per month.

Cheapest minimum coverage car insurance in Hawaii for 50-year-olds

Drivers in Hawaii who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

1. Geico: $278 per year, or about $23 per month.
2. Island Insurance: $491 per year, or about $41 per month.
3. State Farm: $599 per year, or about $50 per month.
4. Allstate: $604 per year, or about $50 per month.
5. Progressive: $720 per year, or about $60 per month.

Cheapest auto insurance in Hawaii for 50-year-olds with poor credit

Drivers with poor credit in Hawaii can check with the following companies, which showed the lowest average rates for full coverage:

1. Geico: $1,359 per year, or about $113 per month.
2. Progressive: $1,874 per year, or about $156 per month.
3. Island Insurance: $1,889 per year, or about $157 per month.
4. State Farm: $1,980 per year, or about $165 per month.
5. Allstate: $2,389 per year, or about $199 per month.

Cheapest auto insurance in Hawaii for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Hawaii, here are the companies with the lowest average rates for minimum coverage:

1. Geico: $306 per year, or about $26 per month.
2. Island Insurance: $525 per year, or about $44 per month.
3. State Farm: $625 per year, or about $52 per month.
4. Allstate: $805 per year, or about $67 per month.
5. Progressive: $985 per year, or about $82 per month.

Cheapest auto insurance in Hawaii for 50-year-old drivers with one at-fault crash

For drivers living in Hawaii with a recent accident, here are the insurers with the lowest average full coverage rates:

1. Geico: $1,552 per year, or about $129 per month.
2. State Farm: $2,286 per year, or about $191 per month.
3. Island Insurance: $2,396 per year, or about $200 per month.
4. Progressive: $2,899 per year, or about $242 per month.
5. Allstate: $3,189 per year, or about $266 per month.

Cheapest auto insurance in Hawaii for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

1. State Farm: $2,684 per year, or about $224 per month.
2. Progressive: $3,141 per year, or about $262 per month.
3. Geico: $3,845 per year, or about $320 per month.
4. Allstate: $5,464 per year, or about $455 per month.

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Hawaii for 60-year-olds

Drivers in Hawaii with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

1. Geico: $1,359 per year, or about $113 per month.
2. Progressive: $1,874 per year, or about $156 per month.
3. Island Insurance: $1,889 per year, or about $157 per month.
4. State Farm: $1,980 per year, or about $165 per month.
5. Allstate: $2,389 per year, or about $199 per month.

Cheapest minimum coverage car insurance in Hawaii for 60-year-olds

Drivers in Hawaii who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

1. Geico: $278 per year, or about $23 per month.
2. Island Insurance: $491 per year, or about $41 per month.
3. State Farm: $599 per year, or about $50 per month.
4. Allstate: $604 per year, or about $50 per month.
5. Progressive: $720 per year, or about $60 per month.

Cheapest auto insurance in Hawaii for 60-year-olds with poor credit

Drivers with poor credit in Hawaii can look at the following companies with the lowest average rates for full coverage:

1. Geico: $1,359 per year, or about $113 per month.
2. Progressive: $1,874 per year, or about $156 per month.
3. Island Insurance: $1,889 per year, or about $157 per month.
4. State Farm: $1,980 per year, or about $165 per month.
5. Allstate: $2,389 per year, or about $199 per month.

Cheapest auto insurance in Hawaii for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Hawaii, here are the companies with the lowest average rates for minimum coverage:

1. Geico: $306 per year, or about $26 per month.
2. Island Insurance: $525 per year, or about $44 per month.
3. State Farm: $625 per year, or about $52 per month.
4. Allstate: $805 per year, or about $67 per month.
5. Progressive: $985 per year, or about $82 per month.

Cheapest auto insurance in Hawaii for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Hawaii, here are the companies with the lowest average rates for full coverage:

1. Geico: $1,552 per year, or about $129 per month.
2. State Farm: $2,286 per year, or about $191 per month.
3. Island Insurance: $2,396 per year, or about $200 per month.
4. Progressive: $2,899 per year, or about $242 per month.
5. Allstate: $3,189 per year, or about $266 per month.

Cheapest auto insurance in Hawaii for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

1. State Farm: $2,684 per year, or about $224 per month.
2. Progressive: $3,141 per year, or about $262 per month.
3. Geico: $3,845 per year, or about $320 per month.
4. Allstate: $5,464 per year, or about $455 per month.

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Hawaii for 70-year-olds

Drivers in Hawaii with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

1. Geico: $1,359 per year, or about $113 per month.
2. Progressive: $1,874 per year, or about $156 per month.
3. Island Insurance: $1,889 per year, or about $157 per month.
4. State Farm: $1,980 per year, or about $165 per month.
5. Allstate: $2,389 per year, or about $199 per month.

Cheapest minimum coverage car insurance in Hawaii for 70-year-olds

Drivers in Hawaii who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

1. Geico: $278 per year, or about $23 per month.
2. Island Insurance: $491 per year, or about $41 per month.
3. State Farm: $599 per year, or about $50 per month.
4. Allstate: $604 per year, or about $50 per month.
5. Progressive: $720 per year, or about $60 per month.

Cheapest auto insurance in Hawaii for 70-year-olds with poor credit

Drivers with poor credit in Hawaii can look at the following companies with the lowest average rates for full coverage:

1. Geico: $1,359 per year, or about $113 per month.
2. Progressive: $1,874 per year, or about $156 per month.
3. Island Insurance: $1,889 per year, or about $157 per month.
4. State Farm: $1,980 per year, or about $165 per month.
5. Allstate: $2,389 per year, or about $199 per month.

Cheapest auto insurance in Hawaii for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Hawaii, here are the companies with the lowest average rates for minimum coverage:

1. Geico: $306 per year, or about $26 per month.
2. Island Insurance: $525 per year, or about $44 per month.
3. State Farm: $625 per year, or about $52 per month.
4. Allstate: $805 per year, or about $67 per month.
5. Progressive: $985 per year, or about $82 per month.

Cheapest auto insurance in Hawaii for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Hawaii, here are the companies with the lowest average rates for full coverage:

1. Geico: $1,552 per year, or about $129 per month.
2. State Farm: $2,286 per year, or about $191 per month.
3. Island Insurance: $2,396 per year, or about $200 per month.
4. Progressive: $2,899 per year, or about $242 per month.
5. Allstate: $3,189 per year, or about $266 per month.

Cheapest auto insurance in Hawaii for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

1. State Farm: $2,684 per year, or about $224 per month.
2. Progressive: $3,141 per year, or about $262 per month.
3. Geico: $3,845 per year, or about $320 per month.
4. Allstate: $5,464 per year, or about $455 per month.

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 70 of the 70 driver profiles we examined.