Cheapest Car Insurance Quotes in Hawaii (2024)
Geico has the cheapest car insurance quotes in Hawaii at $82 per month for full coverage.
Find Cheap Car Insurance Quotes in Hawaii
Best cheap car insurance companies in Hawaii
How we chose the top companies
Best and cheapest car insurance in Hawaii
- Cheapest full coverage: Geico, $82/mo
- Cheapest minimum liability: Geico, $30/mo
- Cheapest for young drivers: Geico, $35/mo
- Cheapest after a ticket: Geico, $82/mo
- Cheapest after an accident: Geico, $120/mo
- Cheapest for teens after a ticket: Geico, $35/mo
- Cheapest after a DUI: Farmers, $239/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Geico is the best choice for Hawaii drivers looking to get a quick quote or buy a policy online. That's because Geico offers the best combination of low rates and reliable customer service in Hawaii.
Island Insurance typically has affordable rates, but you have to work with an agent to get a quote.
Cheapest car insurance in Hawaii: Geico
Geico offers the most affordable full coverage car insurance quotes in Hawaii. At $82 per month, a policy from Geico is 40% cheaper than the state average.
The average cost of car insurance in Hawaii is $137 per month for full coverage.
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Military members, veterans and their families can also find affordable rates at USAA, where full; coverage costs $93 per month.
USAA is $11 per month more than Geico. But the extra cost could be worth it, because USAA has some of the best customer service reviews in the industry.
Cheapest Hawaii auto insurance quotes for full coverage
Company | Monthly rate | |
|---|---|---|
| Geico | $82 |
| Island Insurance | $110 |
| State Farm | $163 |
| Progressive | $167 |
| Farmers | $169 |
*USAA is only available to current and former military members and their families.
Cheapest liability insurance quotes in Hawaii: Geico
Geico has the best cheap car insurance in Hawaii at $30 per month for minimum liability coverage.
Geico's average rate is 40% cheaper than the state average and 17% less than the second-cheapest company, Island Insurance.
The average cost of minimum coverage auto insurance in Hawaii is $51 per month.
Cheap car insurance companies in Hawaii for minimum coverage
Company | Monthly rate |
|---|---|
| Geico | $30 |
| Island Insurance | $35 |
| Farmers | $52 |
| State Farm | $66 |
| Allstate | $70 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Hawaii
Best for young drivers in Hawaii: Geico
Geico has the most affordable car insurance quotes for Hawaii teens.
The company charges $35 per month for minimum coverage and $93 per month for full coverage. That's about 35% cheaper than average for either option.
Cheapest auto insurance for Hawaii teens
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $35 | $93 |
| Island Insurance | $35 | $110 |
| Farmers | $52 | $169 |
| State Farm | $65 | $163 |
| Allstate | $70 | $174 |
Most states charge teen drivers much higher rates than adults, but that's not the case in Hawaii.
Minimum-coverage insurance for an 18-year-old driver is $54 per month, on average. That's only $3 per month more expensive than it is for a 30-year-old driver.
Cheapest quotes after a speeding ticket: Geico
Geico offers the most affordable rates for Hawaii drivers with a speeding ticket on their record. The company doesn't typically increase rates after one speeding ticket, which makes it much more affordable than its competitors.
At $82 a month, full coverage from Geico is 48% cheaper than the state average of $160 per month.
Cheapest car insurance with a ticket in Hawaii
Company | Monthly rate |
|---|---|
| Geico | $82 |
| Island Insurance | $119 |
| Farmers | $169 |
| State Farm | $179 |
| Progressive | $225 |
Rates in Hawaii go up by 17% after a speeding ticket, on average. However, not all companies raise rates by the same amount. Geico and Farmers don't usually raise rates after a single speeding ticket, but quotes from Allstate increased by 41%.
Cheapest car insurance after an accident: Geico
Geico has the best rates for Hawaii drivers who have recently caused an accident. A full coverage policy from Geico costs around $120 per month, which is 36% cheaper than the Hawaii average.
Cheap full coverage insurance in HI after an accident
Company | Monthly rate |
|---|---|
| Geico | $120 |
| Island Insurance | $147 |
| State Farm | $196 |
| Farmers | $224 |
| Progressive | $245 |
Full coverage rates increase by an average of $51 per month after an at-fault accident.
If your rate increases more than you can afford, you should shop around for better rates. You might be able to find a better deal from a different company. For example, a policy from the cheapest company, Geico, costs $151 per month less after an accident than the most expensive option, Allstate.
Cheapest for teens with a ticket or accident: Geico
Geico has the best rates in Hawaii for young drivers who have a speeding ticket or accident on their records.
Geico doesn't usually raise rates for young drivers after one speeding ticket. A minimum coverage policy from Geico costs only $35 per month after a single ticket, which is 46% less than average.
Geico also has the cheapest rates after an accident at $46 per month for minimum coverage. That's 38% less than average.
Cheap quotes for teens after a speeding ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Geico | $35 | $46 |
| Island Insurance | $38 | $47 |
| Farmers | $52 | $70 |
| State Farm | $73 | $80 |
| Allstate | $107 | $113 |
Minimum coverage insurance for an 18-year-old driver with a speeding ticket is 18% more expensive than rates for a driver with a clean record. And teens can expect to pay 36% more for insurance after an accident.
Cheapest car insurance in HI after a DUI: Farmers
Farmers offers the best rates for drivers in Hawaii with a DUI. At $239 per month, full coverage from Farmers is 46% more affordable than the state average.
Cheapest Hawaii car insurance quotes after DUI
Company | Monthly rate |
|---|---|
| Farmers | $239 |
| Progressive | $277 |
| State Farm | $397 |
| Allstate | $476 |
| Geico | $577 |
Driving under the influence (DUI) will raise your insurance rates more than any other ticket. Hawaii drivers with a DUI pay more than three times as much for full coverage as drivers with a clean record.
Best car insurance in Hawaii
USAA is the best car insurance company in Hawaii, but it's not available to everyone.
Only military members, veterans and some family members can get auto insurance from USAA. Hawaii has a large military population, which means a lot of residents are eligible.
If you are eligible, USAA should be your top choice. It regularly earns the top score on J.D. Power's claims satisfaction survey. That means you can expect to get back on the road quickly after an accident. And, USAA offers some of the most affordable quotes in Hawaii.
If you don't qualify for membership with USAA, you should consider Geico. It offers the best combination of reliable customer service, financial stability and affordable rates to civilians in Hawaii.
Best car insurance companies in Hawaii
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Island Insurance | NR | NR | |
| Farmers | 815 | A |
It's important for drivers in Hawaii to consider customer service ratings along with cost when shopping for car insurance.
Choosing a company with good customer service will give you peace of mind knowing you'll be taken care of after an accident. On the other hand, poor customer service could mean you have to argue with your insurance company to get a fair payout after a crash.
Average cost of car insurance in Hawaii by city
Many of the most expensive cities for car insurance in Hawaii are located on the island of Hawaii, or "The Big Island".
The cheapest rates tend to be on the island of Kauai.
Car insurance quotes in Hawaii don't vary much from city to city. There is only a difference of $27 per month between the most and least expensive cities.
Hawaii auto insurance quotes by city
City | Monthly Rate | % from average |
|---|---|---|
| Ahuimanu | $138 | 1% |
| Aiea | $138 | 1% |
| Ainaloa | $147 | 7% |
| Anahola | $120 | -12% |
| Camp H M Smith | $137 | 0% |
Car owners who live in areas with poorly paved roads, high crime rates or near a volcano may have slightly higher insurance rates. That's because it's more likely that they will make an insurance claim due to an accident, damage or theft.
Hawaii auto insurance requirements
Hawaii car insurance laws require drivers to have a minimum amount of bodily injury and property damage liability coverage. This is sometimes written as 20/40/10.
As a no-fault state, the Hawaii Department of Insurance also requires drivers to have personal injury protection (PIP). Personal injury protection pays your medical bills if you or your passengers are hurt in an accident, regardless of whose fault it was. It also covers any lost wages while you recover.
- Bodily injury liability: $20,000 per person and $40,000 per accident
- Property damage liability: $10,000 per accident
- Personal injury protection: $10,000 per accident
What's the best car insurance coverage for HI drivers?
Minimum coverage insurance might seem like the best option if you want to save money. But, if you cause an accident, minimum coverage in Hawaii only pays for injuries to other people or damage to their car or property. It doesn't include protection for damage to your car.
Most drivers should consider a full-coverage auto insurance policy, especially those with a car worth over $5,000 or newer than eight years old. This is because full coverage will pay to fix your car after an accident, regardless of whose fault it is.
Full coverage car insurance costs an average of $86 per month more than minimum coverage in Hawaii.
However, full coverage includes collision and comprehensive coverage. That means your policy will pay to fix your car if it's damaged in a crash, or by other causes like vandalism or hail.
Full coverage can also include more liability protection than the state of Hawaii requires. This could help save a lot of money if you cause a crash that results in major damage or expensive medical bills.
Frequently asked questions
How much is car insurance in Hawaii per month?
The average price for full coverage car insurance in Hawaii is $137 per month. Minimum coverage costs an average of $51 per month.
What is the cheapest car insurance in Hawaii?
Geico has the cheapest car insurance quotes for most drivers in Hawaii. Minimum coverage from Geico costs $30 per month, and full coverage costs around $82 per month. That's about 40% cheaper than average.
What auto insurance is required in Hawaii?
Hawaii requires drivers to have a minimum of $20,000 of bodily injury liability per person and $40,000 per accident, along with $10,000 of property damage liability per accident. Drivers also must have $10,000 of personal injury liability coverage.
Does Hawaii have cheap car insurance?
Yes, the cost of car insurance in Hawaii is much lower than the national average. Rates in Hawaii are 21% cheaper than the national average for minimum liability coverage and 17% cheaper for full coverage.
Are cars in Hawaii insured for volcanoes?
Car insurance will typically cover damage caused by volcanoes if you have comprehensive coverage. However, if your car is damaged by wind or ash buildup after an initial eruption, you might not be covered.
How much is car insurance in Honolulu?
Full coverage car insurance in Honolulu costs an average of $137 per month. That's the same as the Hawaii state average.
Methodology
ValuePenguin collected thousands of quotes from ZIP codes across Hawaii for the largest insurance companies in the islands. Rates are for a 30-year-old man with good credit who owns a 2015 Honda Civic EX.
Full-coverage auto insurance quotes include higher levels of liability limits than required by Hawaii law along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Personal injury protection: $10,000
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision deductible: $500
Rate data for this study was collected from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes will differ.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.