The Best Car Insurance in Hawaii for 2022

The best auto insurance companies are those that balance customer satisfaction, affordability and financial stability. The top insurer in Hawaii is GEICO. It ranked first for affordability, claims and financial stability, and tied for customer satisfaction with a ranking of 4 out of 5.

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Last Updated: 5/13/2022
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Based on MoneyGeek’s research, GEICO is the best car insurance company in Hawaii overall. However, the best for you may be different as it will depend on what factors you value most. So, MoneyGeek also broke down the best options for drivers on a budget, those focused on customer service and more.

MoneyGeek analyzed the cheapest companies in Hawaii for drivers looking for affordable car insurance, regardless of service quality.

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The Best Car Insurance in Hawaii

Best Car Insurance Companies in Hawaii: Overall

MoneyGeek scored the top car insurance companies in Hawaii based on claims ratings, user satisfaction and average costs.

The best car insurance providers in the state based on overall scores are:

  • GEICO: MoneyGeek score of 4.7 out of 5
  • State Farm: MoneyGeek score of 4.4 out of 5

USAA received a score of 5, making it the highest rated provider in Hawaii. However, MoneyGeek did not include USAA in this analysis because plans are only available to active-duty military personnel, veterans and their families.

The Top 5 Car Insurance Companies in Hawaii

1
GEICO
Score:4.7

5/5

Affordability

4/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

The average rate for a GEICO policy is $646, making it the best in terms of affordability. It ranked first in all categories and offers mechanical breakdown insurance as optional coverage.

More About GEICO

The insurer’s mechanical breakdown add-on coverage is cheaper than the typical dealer extended warranty. It also covers more, including all parts and systems of a new or leased car less than 15 months old and with less than 15,000 miles. Qualified policyholders can also opt for accident forgiveness insurance, which ensures that your premiums will not go up after your first at-fault accident. Accident forgiveness coverage can be purchased or earned (if you’re over 21 and have been accident-free for at least five years).

Read MoneyGeek's GEICO auto Insurance Review
2
State Farm
Score:4.3

3.8/5

Affordability

4/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm car insurance costs an average of $835 per year, ranking second for affordability. It tied first for claims and customer satisfaction and offers rideshare insurance.

More About State Farm

Policyholders can get additional protection with rideshare insurance. This coverage ensures that your deductible and the medical, emergency roadside assistance and rental car reimbursement in your personal auto insurance are in effect when you’re working for a ridesharing company. It applies all coverages when your ridesharing app is on, and when you are available for hire.

Read MoneyGeek's State Farm auto Insurance Review
3
Allstate
Score:3.8

2.1/5

Affordability

4/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Allstate costs an average of $1,112 per year. It ranked third for affordability and tied first for claims and user satisfaction. Allstate policyholders can get custom parts coverage as additional protection.

More About Allstate

The custom parts coverage will pay for the loss of custom equipment, such as bars, decals, special carpeting, height-extending roof and custom murals. You can purchase sound system coverage too, which pays for damage to a permanently-installed sound system. Another add-on is the Ride for Hire, which provides coverage when you are working for a ridesharing company.

Read MoneyGeek's Allstate auto Insurance Review
4
Farmers
Score:3.4

1.1/5

Affordability

4/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

With an average annual rate of $1,281, Farmers came in fourth place for affordability. It tied first for claims and customer satisfaction. Policyholders can get original equipment manufacturer (OEM) coverage.

More About Farmers

The OEM covers the cost of using factory-original parts when repairing your car that’s up to 10 years old. If you have comprehensive and collision coverage, you can opt for customs part coverage, which pays for repairing or replacing aftermarket equipment like custom wheels. Another add-on is the glass deductible modification. It reduces your deductible to $100 when the loss after an accident is limited to glass.

Read MoneyGeek's Farmers auto Insurance Review
5
Progressive
Score:3

0/5

Affordability

4/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Progressive insurance premiums average $1,457 annually for full coverage. It ranked fifth for affordability, second for claims and tied first for customer satisfaction. Special add-ons include custom parts and equipment (CPE) coverage.

More About Progressive

The CPE covers repairs and replacement of items added to your vehicle. These refer to aftermarket accessories and those not installed by the original manufacturer, like a stereo, navigation system, customer wheels or a paint job. You can also opt to get rideshare coverage. This covers repairs and replacement for damages due to an accident while you’re waiting for a rider request.

Read MoneyGeek's Progressive auto Insurance Review
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HOW WE DETERMINED THE BEST INSURANCE IN HAWAII

For this analysis, MoneyGeek used full coverage car insurance quotes across various providers in Hawaii. A sample driver and other factors, such as J.D. Power customer satisfaction and NAIC claims scores, were also used. Of course, the actual price may differ depending on your needs and characteristics as a driver. Read more about the sample drivers, policies and assumptions on MoneyGeek’s methodology.

MoneyGeek's Hawaii Car Insurance Resources:

Compare the Best Insurance Options in Hawaii

Various factors will help you determine the best car insurance companies in Hawaii. These include the cost of coverage, service quality and financial stability. Consider the combination that fits your needs in addition to the type of coverage you’re looking for. You can use MoneyGeek’s in-depth review to start comparing the top providers in the state.

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Best Car Insurance in Hawaii for Customer Service

MoneyGeek also found the top car insurance companies in Hawaii based on just claims rating and customer satisfaction, ignoring the cost of insurance policies.

Overall scores showed that the top insurance providers for customer service are:

  • GEICO: MoneyGeek score of 4.6 out of 5
  • State Farm: MoneyGeek score of 4.6 out of 5
The Top 2 Car Insurance Companies in Hawaii for Service Quality

1
GEICO
Score:4.5

5/5

Claims

4/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO tied first for claims (5 out of 5) and tied for customer satisfaction at 4 out of 5. It offers various add-ons, including roadside assistance and rental car and/or travel reimbursement.

More About GEICO

Customer service is an important consideration when choosing an insurer, especially since you only file claims in a time of crisis. In terms of add-on options, GEICO offers roadside assistance coverage, which pays for the cost of flat tires, towing, jump starts and lockout services. There’s also rental car and/or travel reimbursement coverage which applies when you can’t use your insured car for more than 24 hours due to a covered accident.

Read MoneyGeek's GEICO auto Insurance Review
2
State Farm
Score:4.5

5/5

Claims

4/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm tied with GEICO for both claims and user satisfaction. Policyholders can choose to add additional coverage like roadside assistance and rental car and/or travel reimbursement.

More About State Farm

State Farm’s roadside assistance coverage pays for mechanical labor, towing, delivery of battery, gas, oil, as well as tire change and locksmith services. The company also offers rental car and/or travel reimbursement, which covers car rental expenses, up to $500 travel expenses, and up to $500 repayment of deductible for an at-fault accident while you’re driving a rental car.

Read MoneyGeek's State Farm auto Insurance Review

Best Car Insurance in Hawaii for Drivers on a Budget

MoneyGeek analyzed the top car insurance companies in Hawaii for a policy that only meets the minimum car insurance required by the state.

Based on MoneyGeek scores, the two top-rated companies in Hawaii that balance affordability for minimum coverage and quality of service are:

  • GEICO: MoneyGeek score of 4.6 out of 5
  • State Farm: MoneyGeek score of 4.2 out of 5

MoneyGeek’s Pick: GEICO

GEICO

pros

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Affordable minimum coverage policy at $333 annually.

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Offers bundling, safe driving and defensive driving discounts.

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MoneyGeek claims rating of 5 out of 5.

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MoneyGeek customer satisfaction score of 4 out of 5.

cons

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Does not offer pay in full discounts.

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Does not offer discounts for choosing paperless transactions.

COMPANY HIGHLIGHTS

GEICO offers affordable car insurance for a minimum coverage policy. It also has various discounts that drivers in Hawaii can take advantage of. Among these are bundling, insuring more than one car and safe driving discounts.

You can also save money by taking defensive driving classes, having an air bag and installing an anti-theft system in your vehicle.

Best Car Insurance in Hawaii for Poor Driving Records

MoneyGeek analyzed insurance providers to find the best auto insurance companies in Hawaii for drivers who have been involved in an at-fault accident.

The top two providers with the highest MoneyGeek scores based on the cost of insurance coverage for drivers with a bad record and the quality of service are:

  • GEICO: MoneyGeek score of 4.6 out of 5
  • State Farm: MoneyGeek score of 4.5 out of 5

MoneyGeek’s Pick: GEICO

GEICO

pros

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Affordable full coverage policy for poor drivers at $924 per year.

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Provides roadside assistance, rental car reimbursement and accident forgiveness coverages.

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MoneyGeek claims score of 5 out of 5.

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Moneygeek customer satisfaction rating of 4 out of 5.

cons

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Does not offer new car replacement coverage.

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No better car replacement coverage.

COMPANY HIGHLIGHTS

GEICO offers one of the best car insurance policies for Hawaii drivers with a bad driving record. The average cost of a GEICO policy for drivers with an at-fault accident on their driving record is $924 per year. The insurer also received the highest claims and customer satisfaction ratings.

Additionally, GEICO offers optional coverages like:

  • Roadside assistance: This offers help if you’re stranded because of an issue with your vehicle.
  • Rental car reimbursement: This reimburses expenses for a car rental if your insured vehicle is under repair due to a covered accident.
  • Accident forgiveness: This prevents an increase in premiums after your first at-fault accident.

Best Car Insurance in Hawaii for a Military Background

USAA is the best provider for military members in Hawaii. Based on MoneyGeek’s analysis, USAA ranked first across all categories with a MoneyGeek score of 5 out of 5. It got perfect ratings for claims and user satisfaction. Its premium rates are also affordable. The average cost of a USAA policy with state minimum coverage is $297 per year. In contrast, a policy for a driver with an at-fault accident on record costs an average of $805 annually.

MoneyGeek’s Pick: USAA

USAA

pros

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Affordable full coverage policy of $657 per year.

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Rideshare gap coverage.

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Loyalty discount.

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MoneyGeek claims rating of 5 out of 5.

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MoneyGeek customer satisfaction rating of 5 out of 5.

cons

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Only military members and their families can purchase USAA policies.

COMPANY HIGHLIGHTS

USAA has some of the cheapest car insurance policies and best services in Hawaii. It also has one of the best reputations in the country.

USAA offers various discounts and coverages, including:

  • Rideshare gap insurance coverage: Best for individuals whose standard coverage does not have rideshare insurance.
  • Rental car reimbursement coverage: This pays for a car rental if your insured vehicle is under repair due to a covered loss.
  • Loyalty discount: This gives discounts to policyholders that remain with USAA for a certain period.
  • New vehicle discount: If your car is three years old or newer, you can save money.

Best Car Insurance in Hawaii for Young Drivers and Students

MoneyGeek found the best car insurance companies in Hawaii for students and teen drivers based on affordability and customer service.

The top options for young drivers in Hawaii are:

  • State Farm: MoneyGeek score of 4.7 out of 5
  • GEICO: MoneyGeek score of 4.5 out of 5

MoneyGeek’s Pick: State Farm

State Farm

pros

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Affordable rates for young drivers at $704 per year.

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Distant student discount.

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Driver’s education discount.

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Good student discount.

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MoneyGeek claims rating of 5 out of 5.

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MoneyGeek user satisfaction rating of 4 out of 5.

COMPANY HIGHLIGHTS

The cost of car insurance significantly increases when a young driver is added to an existing policy. However, State Farm offers an affordable option combined with great customer service. The claims filing process can be stressful, so finding an insurer with excellent customer service can make the process easier.

State Farm offers various student-related discounts. The distant student discount is for students under 25 who move away for school and use the covered car when they are home. Students with good grades or at the top of their class can get a discount, and drivers under 21 can save money by completing a driver’s education course.

Best Car Insurance in Hawaii for Those With New Cars

MoneyGeek evaluated the best insurance providers in Hawaii that offer new car replacement. This type of coverage pays for a brand new car with the same make and model as the covered car instead of the depreciated value.

Allstate is the top company that offers the new car replacement feature in Hawaii. It has an overall MoneyGeek score of 3.8 out of 5.

MoneyGeek’s Pick: Allstate

Allstate

pros

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New car replacement.

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MoneyGeek claims rating of 5 out of 5.

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MoneyGeek user satisfaction rating of 4 out of 5.

cons

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Average rate of $1,112 annually for full coverage, which is relatively expensive compared to other providers.

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No better car replacement.

COMPANY HIGHLIGHTS

Allstate offers new car replacement coverage for drivers in Hawaii, making it a great option for new drivers. Generally, the value of a car depreciates as soon as you drive it off the lot. That is where this coverage can help.

The new car replacement coverage of Allstate is an optional feature. It pays for the cost of a brand new car of a similar make and model if your insured car gets totaled. However, the covered car must be two model years old or newer.

Best Car Insurance in Hawaii for Low-Mileage Drivers

The pay-per-mile car insurance coverage allows drivers to pay a premium based mostly on their mileage. Currently, more companies are expanding the use of this coverage. The best option for drivers with low mileage in Hawaii is Nationwide SmartRide.

MoneyGeek’s Pick: Nationwide

Nationwide

pros

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Affordable insurance rates for low mileage drivers

cons

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If you drive regularly, you may find this more expensive than traditional auto insurance.

COMPANY HIGHLIGHTS

Nationwide SmartRide is a pay-per-mile insurance coverage program. Rates are based on miles driven and driving behavior. That means you pay depending on how many miles you drive, and that your behavior can discount your premium. This includes hard braking and acceleration, idle time and nighttime driving. The coverage will not raise your insurance rates, but can discount them.

How to Find the Best Car Insurance in Hawaii in For You

A balance of affordability, quality service and financial stability is an important consideration when looking for the best car insurance in Hawaii. MoneyGeek collected this information and determined the top options for you, but you can compare companies and coverages yourself.

1

Research Customer Service Reputations in Hawaii

MoneyGeek collected car insurance quotes across multiple providers in Hawaii for a sample driver. NAIC complaint ratios and J.D. Power customer satisfaction ratings were added to our analysis. You can use MoneyGeek’s in-depth review to find the best option for you. However, it is also good to do your own research at Hawaii’s Department of Commerce and Consumer Affairs.

2

Compare Quotes for Yourself

The insurance quotes MoneyGeek used are average costs for a sample driver. The findings apply to most of Hawaii; however, not all areas in the state are covered in our analysis. To find the best car insurance cost at a price that’s acceptable to you, compare quotes from at least three companies.

3

Make Sure the Company Has Coverages You Want in Hawaii

It is always important to review and understand the coverages, features and discounts that each company offers. While insurance providers advertise certain offers, some of these may not be available in your state. You can confirm with the companies if they offer the coverage you are looking for in Hawaii.

4

Double-Check Financial Stability Ratings

The financial strength rating of an insurance provider is also a crucial factor to consider. Larger companies tend to be more financially stable than regional insurers, which means they are more likely to pay out claims.

FAQs About the Best Car Insurance in Hawaii

The best car insurance in Hawaii may vary depending on what you are looking for. To help you get started, MoneyGeek answered some of the most common questions about auto insurance in the state.

Methodology

For this analysis, MoneyGeek obtained quotes across insurance companies in Hawaii in collaboration with Quadrant Information Services. These are based on MoneyGeek’s sample driver and policy described on the methodology page unless otherwise stated.

For customer satisfaction, claims and financial stability ratings, MoneyGeek used evaluations by J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). However, the list of coverages and discounts are based on data MoneyGeek collected from each insurance company’s website and quote tool.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.