How much is GEICO car insurance in Hawaii?
The average monthly cost of car insurance in Hawaii is $137 for full coverage and $34 for minimum insurance. Average rates for full coverage in Hawaii are 29 percent less than the national average.
The average monthly cost of car insurance in Hawaii is $137 for full coverage and $34 for minimum insurance. Average rates for full coverage in Hawaii are 29 percent less than the national average.
And GEICO is known for helping make life even sunnier by providing quality protection for Hawaiians' cars, motorcycles, and more–all at an affordable rate.
| Insurance company | Bankrate score | Average full coverage rate |
|---|---|---|
| Geico | 4.4 Rating: 4.4 stars out of 5 | $1,526 |
| USAA | 4.2 Rating: 4.2 stars out of 5 | $1,173 |
| State Farm | 4.3 Rating: 4.3 stars out of 5 | $2,282 |
| Allstate | 3.9 Rating: 3.9 stars out of 5 | $1,474 |
In fact, Geico is one of the cheapest car insurance companies nationally. Even though Geico offers cheaper-than-average rates, its premiums can get expensive for drivers with certain characteristics.
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.
The average auto insurance cost in Hawaii is $1,079 per year — less than the US average by 24.4%. Your auto insurance costs are dictated by factors aside from state lines. Car insurance rates consider an array of considerations, such as a driver's credit score, driving record, age, gender, and marital status.
Comparing Allstate vs. Geico, we found that Geico offers cheaper auto insurance on average. We gave Geico 9.1 out of 10.0 points in the cost category in our industry-wide insurance review, while Allstate earned 7.4 points.
Geico is so cheap because it sells insurance directly to consumers and offers a lot of discounts. Direct-to-consumer insurance sales eliminate the cost of middlemen and allow Geico to have significantly fewer local offices and agents than companies like State Farm and Allstate.
Both Geico and Progressive offer cheap car insurance to drivers across the country. Geico's rates are typically lower overall, but Progressive tends to offer better prices to high-risk drivers. High-risk drivers are those with a recent DUI, at-fault accident or speeding ticket on their driving record.
What insurance is better than Geico?
Geico Customer Experience. Both State Farm and Geico provide a positive customer experience for most drivers. However, we rated Geico higher overall because it has fewer complaints relative to its size, according to NAIC data. State Farm did score higher than Geico in the J.D. Power 2022 U.S. Insurance Shopping Study.
Best health insurance companies in HI
Although Kaiser Permanente offers the lowest prices and highest-quality plans, HMSA is the most popular health insurance company in Hawaii. It sells just over 60% of all health plans for the state.
Driving without insurance in Hawaii is against the law, though, and the potential penalties include fines up to $1,500 and driver's license suspension. You do not have a driver's license or never drive. If you don't have...
If you leave out information in the quoting process about accidents you've been in (even minor ones), your policy rate may be higher. If you forget to provide details about your significant others' driving history, such as speeding tickets, this may lead to a higher rate.
Practice safe driving: If you have no accidents, speeding tickets or other violations on your record, you may be eligible for discounts and lower rates. Bundle insurance policies: Geico offers a multi-policy discount customary for top providers in the insurance industry.
Does car color affect insurance rates? The color of your car doesn't affect your insurance rate. Instead, your insurance company uses other information, like your car's age, location, usage, and your driving record, to help determine insurance rates. Learn more about the factors that impact auto insurance pricing.
Car insurance costs are cheaper in Hawaii than in other states. This is because non-driving rating factors that normally increase premiums, like your age and credit score, are disregarded. However, factors particular to Hawaii — like the fact that it's a no-fault state — can increase rates.
Having motor vehicle insurance is essential to owning a motor vehicle in Hawaii. Hawaii State law requires that your vehicle be insured throughout the motor vehicle registration period and that you have a valid Hawaii motor vehicle insurance identification card in your motor vehicle at all times.
A single speeding ticket will increase someone's annual insurance premiums by 9% according to average rates across Hawaii. Certain other issues, like distracted driving tickets, will increase rates even more.
The Cost of Buying a Car in Hawaii
Hawaii is known for its high car prices due to several reasons, including high taxes, shipping costs, and the limited supply of new and used cars. The average cost of buying a car in Hawaii is significantly higher than in other states, and luxury vehicles can be especially expensive.
Does insurance follow the car or the driver in Hawaii?
Car insurance usually follows the car in Hawaii. The types of car insurance that follow the car in Hawaii are collision, comprehensive, and property damage liability. You're required to carry property damage liability and personal injury protection in Hawaii. PIP follows the driver, unlike liability coverage.
Wax provides protection from both the sun and salt which, as you know, are especially strong in Hawaii. Everyone on the island should apply wax to their car at least once or twice per year for the best protection possible.
Both Geico and Progressive offer competitive average premiums for drivers, but if cost is your primary consideration, Geico has the edge. Its average rates tend to be lower than the average rates offered by Progressive, and the company's extensive discount list may help you save even more.
Even though Liberty Mutual is more expensive than Geico on average for coverage, it still scores a 9.2 out of 10.0 for cost in our review — the same as Geico — because of its discounts available to bring down those costs. Liberty Mutual offers many different discounts that can stack up and save you more on premiums.
In terms of car insurance costs, Allstate is more expensive than other top competitors like Progressive, Geico and State Farm. In the category of affordability, we rate Progressive 7.8 out of 10.0 stars and Allstate 7.4 out of 10.0 stars.
