BestAuto InsuranceHawaiiThe Best Car Insurance in Hawaii for 2023
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BestAuto InsuranceHawaiiThe Best Car Insurance in Hawaii
Best Overall - GEICO
Best for Customer Service - GEICO
Best for Minimum Coverage - GEICO
Best for Young Drivers - State Farm
Best for Seniors - GEICO
Best for Bad Driving Record - GEICO
Best for Military - USAA
Best for New Cars - Allstate
Best for Low-Mileage Drivers - Nationwide
MoneyGeek also analyzed the cheapest companies in Hawaii for drivers looking for affordable car insurance, regardless of service quality.
Best Full Coverage Car Insurance Companies in Hawaii: Overall
In terms of the best car insurance company in Hawaii overall, GEICO takes the top spot.
MoneyGeek ranked the best car insurance companies in Hawaii based on their customer satisfaction, claims ratings and affordability. In general, the two best car insurance providers in the state are:
- GEICO: MoneyGeek score of 94 out of 100 ($646 per year)
- State Farm: MoneyGeek score of 87 out of 100 ($835 per year)
Hawaii's best insurance carrier, USAA, earned a perfect score of 100. However, the company was excluded from the research because its policies are only available to active-duty military personnel, veterans and their family members.
MoneyGeek also analyzed companies for the cheapest full coverage car insurance in Hawaii.
THE TOP CAR INSURANCE COMPANIES IN HAWAII
1
GEICOBest Overall
Score:94
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.
Average Annual Cost: $646 per year
More About GEICO
With above-average ratings for user satisfaction, affordable insurance policies and varied coverage options, GEICO is the best car insurance provider in Hawaii. It also ranks high in financial strength, which means that the company consistently meets its financial obligations for filed claims.
This 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.
2
State Farm
Score:87
State Farm ranked second for affordability but tied first for claims and customer satisfaction. The insurer offers rideshare insurance.
Average Annual Cost: $835 per year
More About State Farm
State Farm tied with GEICO in most categories, except for affordability. It offers policies that balance coverage options and cost for the average driver in Hawaii.
Policyholders can get additional protection with rideshare insurance. This coverage ensures that your deductible, as well as your medical, emergency roadside assistance and rental car reimbursement in your personal auto insurance policy remain in effect while you’re working for a ridesharing company. This means that you’re covered when your ridesharing app is on, and when you’re available for hire.
State Farm’s roadside assistance pays for towing coverage, locksmith, gas and oil, jumpstarts, tire changes and others. Take note, however, that to avoid paying these costs upfront, you should verify that the services are billed directly to State Farm.
3
Allstate
Score:76
Allstate ranked third for affordability and tied first for claims and user satisfaction. Allstate policyholders can get custom parts coverage as additional protection.
Average Annual Cost: $1,112 per year
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.
4
Farmers
Score:69
Farmers came in fourth place for affordability. It tied first for claims and customer satisfaction. Policyholders can get original equipment manufacturer (OEM) coverage.
Average Annual Cost: $1,281 per year
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.
5
Progressive
Score:60
Progressive insurance ranked fifth for affordability, second for claims and tied first for customer satisfaction. Special add-ons include custom parts and equipment (CPE) coverage.
Average Annual Cost: $1,457 per year
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.
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:
Best Car Insurance in Hawaii for Customer Service
When it comes to customer service, the top company in Hawaii is GEICO.
In Hawaii, the two companies with the best customer service, based only on claim ratings and customer satisfaction, are:
- GEICO: MoneyGeek score of 91 out of 5
- State Farm: MoneyGeek score of 91 out of 5
Without considering affordability, these companies offer the best customer care and experience in Hawaii for auto insurance.
THE TOP TWO CAR INSURANCE COMPANIES IN HAWAII FOR SERVICE QUALITY
1
GEICOBest for Customer Service
Score:91
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 filing a claim can be a stressful experience. Based on J.D. Power ratings for GEICO, this provider is slightly better than its competitors, with a customer satisfaction score that is higher than industry average. Based on the NAIC complaint index report, GEICO was rated with a 2.04, indicating it has received more complaints than the average provider.
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.
2
State Farm
Score:91
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
Although State Farm is known for its policies that offer a great combination of standard coverages and discounts, its fair customer complaint history reduced its overall customer satisfaction score. This insurance provider has the largest market share, meaning it has strong financial health.
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.
Best Car Insurance in Hawaii for Minimum Coverage
GEICO takes the top spot for the cheapest car insurance in Hawaii. The cheapest policy for car drivers nationwide is usually the one that only meets Hawaii's minimum car insurance requirements.
MoneyGeek considers the following two companies the best for people who are on a budget in Hawaii.
- GEICO: MoneyGeek score of 92 out of 100 ($333 per year)
- State Farm: MoneyGeek score of 85 out of 100 ($436 per year)
This rating is earned by companies that successfully blend affordability with customer service.
We also found the cheapest minimum coverage car insurance for Hawaii drivers looking for ways to save on their premiums.
MoneyGeek’s Pick: GEICO
pros
Affordable minimum coverage policy at $333 annually.
Offers bundling, safe driving and defensive driving discounts.
MoneyGeek claims rating of 5 out of 5.
MoneyGeek customer satisfaction score of 4 out of 5.
cons
Does not offer pay in full discounts.
Does not offer discounts for choosing paperless transactions.
COMPANY HIGHLIGHTS
GEICO offers affordable car insurance for a minimum coverage policy. Drivers in Hawaii can also take advantage of the insurer’s numerous discount options.
GEICO offers bundling discounts if you buy multiple insurance products, like home insurance or rental insurance. You can also save more money by insuring multiple cars with this provider. GEICO’s DriveEasy program encourages safe driving by automatically monitoring your driving using an app. You’ll receive an individualized score that reflects your distraction-free driving, which can provide an incentive to check your phone less while driving.
Additional savings are available by taking defensive driving classes, having an air bag and installing an anti-theft system in your vehicle. It’s rare that an insurance company offers these extensive discounts.
Best Car Insurance in Hawaii for Young Drivers and Students
If you are a young driver or student in Hawaii, State Farm is ranked as the best provider according to our analysis.
MoneyGeek's study indicates that the following insurers provide the top insurance for young drivers and students in Hawaii:
- State Farm: MoneyGeek score of 94 out of 100 ($704 per year)
- GEICO: MoneyGeek score of 90 out of 100 ($783 per year)
New drivers, young drivers and students can look for several ways to save on premiums. MoneyGeek ranked the cheapest insurance providers for young drivers in Hawaii.
MoneyGeek’s Pick: State Farm
pros
Affordable rates for young drivers at $704 per year.
Distant student discount.
Driver’s education discount.
Good student discount.
MoneyGeek claims rating of 5 out of 5.
MoneyGeek user satisfaction rating of 4 out of 5.
cons
No accident forgiveness, new car replacement, gap insurance, deductible modification or better car replacement coverage
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 your life easier.
State Farm offers numerous discounts for students. The distant student discount applies to students under 25 who move away for school and only use the covered vehicle when they’re home. With State Farm, it also literally pays to get good grades; students that attain a high GPA or are ranked at the top of their class are eligible for a discount. Drivers under 21 can save money by completing a driver’s education course.
Best Car Insurance in Hawaii for Seniors
MoneyGeek rated top-performing providers in Hawaii for seniors based on their affordability and customer service records. Our top two options for seniors in Hawaii are:
- GEICO: MoneyGeek score of 94 out of 100 ($646 per year)
- State Farm: MoneyGeek score of 87 out of 100 ($835 per year)
MoneyGeek balanced cost and customer service categories to generate the above scores. For those more interested in affordability, we also found the cheapest Hawaii car insurance for seniors.
MoneyGeek’s Pick: GEICO
pros
Affordable rates for seniors at an average of $646 per year
Roadside assistance, rental car reimbursement and accident forgiveness available
Senior discounts for drivers over 50 available
MoneyGeek claims and user satisfaction ratings of 4 out of 5
cons
Discounts for paying in full or going paperless are not offered — these are often offered by other companies
COMPANY HIGHLIGHTS
Car insurance for seniors is typically more expensive than insurance for adults. However, this insurer offers a combination of affordable premiums, excellent service and tailored discounts for seniors.
Drivers can receive roadside assistance coverage that covers towing, jumpstarts, flat tires or car lockouts. GEICO’s rental car reimbursement coverage also reimburses senior drivers for rental cars and travel expenses if their car is not drivable for more than 24 hours due to a covered accident.
It’s also worth noting that GEICO has discounts specifically tailored to senior drivers. It offers a renewal program to customers over the age of 50 as long as they have no violations or accidents in the past three years and don't use their vehicle for business purposes.
Best Car Insurance in Hawaii for Bad Driving Records
GEICO also earned the top ranking when it comes to drivers in Hawaii with poor driving records. In Hawaii, for drivers with a poor driving record, the following two insurers are the best:
- GEICO: MoneyGeek score of 91 out of 100 ($924 per year)
- State Farm: MoneyGeek score of 90 out of 100 ($987 per year)
For drivers with a poor driving record, these providers offer a mix of quality customer service and affordable rates. MoneyGeek found the cheapest car insurance in Hawaii if you have a bad driving record.
MoneyGeek’s Pick: GEICO
pros
Affordable full coverage policy for poor drivers at $924 per year.
Provides roadside assistance, rental car reimbursement and accident forgiveness coverages.
MoneyGeek claims score of 5 out of 5.
Moneygeek customer satisfaction rating of 4 out of 5.
cons
Does not offer new car replacement coverage.
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: If you’re stranded because of an issue with your vehicle, like a lockout, flat tire or dead battery, GEICO’s roadside assistance coverage will help you get back on the road.
- 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 100 out of 100. 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
pros
Affordable full coverage policy of $657 per year.
Rideshare gap coverage.
Loyalty discount.
MoneyGeek claims rating of 5 out of 5.
MoneyGeek customer satisfaction rating of 5 out of 5.
cons
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. Its quality service and exceptional coverage options aren’t limited to Hawaii; the insurer has a nationwide reputation for providing premiere car insurance policies.
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 Those With New Cars
MoneyGeek also evaluated Hawaii auto insurance companies offering new car replacement coverage and found that Travelers is the highest-rated company for drivers with new cars in Hawaii.
- Allstate: MoneyGeek score of 76 out of 100 ($1,112 per year)
This add-on coverage pays to replace your car with a brand new one of a similar make and model if it gets totaled within a given time.
MoneyGeek’s Pick: Allstate
pros
New car replacement.
MoneyGeek claims rating of 5 out of 5.
MoneyGeek user satisfaction rating of 4 out of 5.
cons
Average rate of $1,112 annually for full coverage, which is relatively expensive compared to other providers.
No better car replacement.
COMPANY HIGHLIGHTS
Generally, the value of a car depreciates as soon as you drive it off the lot. That’s why you need new car replacement coverage, which pays for the cost of replacing your car if the damage occurs within the first few years of ownership, regardless of its depreciation.
Allstate offers new car replacement coverage for drivers in Hawaii, making it a great option for new drivers. The new car replacement coverage of Allstate is an optional feature. Therefore, you will need to pay an additional fee and acquire it as an add-on coverage option. Allstate 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
In Hawaii, Nationwide SmartRide is the best alternative for low-mileage drivers. Pay-per-mile insurance policies are becoming more prevalent in the United States, with rates being determined based on the number of miles driven.
MoneyGeek’s Pick: Nationwide
pros
Affordable insurance rates for low mileage drivers
cons
If you drive regularly, you may find this more expensive than traditional auto insurance.
COMPANY HIGHLIGHTS
Pay-per-mile insurance policies are often the best option for drivers who don’t drive as regularly. This type of policy charges you based on the distance you traveled, making it a lot cheaper than a regular insurance policy.
Nationwide SmartRide is a pay-per-mile insurance coverage program. It is as good as any Nationwide policy, but has a more flexible rate. The cost of premiums are based on miles driven and driving behavior. That means you pay depending on how many miles you drive, and that your behavior can reduce the cost of your premium. This includes hard braking and acceleration, idle time and nighttime driving. The coverage will not raise your insurance rates, but it can discount them.
How to Find the Best Car Insurance in Hawaii 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.
About Mark Fitzpatrick
