BestCar InsuranceHawaiiBest Car Insurance in Hawaii (May 2023)
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According to MoneyGeek's research, GEICO offers the best car insurance in Hawaii overall, with a total score of 92 out of 100. Its full coverage policies average $565 per year, while its minimum coverage policies cost around $217 per year. GEICO also came in first place for young adult and senior drivers. Progressive is an excellent choice for those seeking the best customer service. State Farm provides the lowest rates for drivers with traffic violations. For new car owners, Allstate offers reasonable discounts and coverage.
BestCar InsuranceHawaiiBest Car Insurance in Hawaii
Best Overall - GEICO
Best for Service - Progressive
Best for Minimum Coverage - GEICO
Best for Young Adults - GEICO
Best for Seniors - GEICO
Best for Driving Offenses - State Farm
Best for New Cars - Allstate
Best for Military - USAA
Best Overall for Car Insurance in Hawaii
Overall, GEICO offers the best car insurance in Hawaii for full coverage. These providers came out on top in our analysis:
- GEICO: MoneyGeek score of 92 out of 100 ($565 per year)
- State Farm: MoneyGeek score of 91 out of 100 ($624 per year)
Scoring 92 out of 100, GEICO stands above six major Hawaii competitors because it offers the best balance of affordability and customer satisfaction. It is also the cheapest option in the state if you want to save on insurance premiums.
State Farm closely followed GEICO with a score of 91 out of 100. It earned the highest satisfaction score.
1
GEICOBest Overall
Score:87
Earning a 92 out of 100, GEICO’s policies are the best and cheapest in Hawaii at $565 per year. It offers mechanical breakdown insurance (MBI) as one of its unique coverages.
More About GEICO
Based on MoneyGeek’s ratings, GEICO earned perfect affordability and above-average satisfaction scores. This combination makes GEICO the best auto insurance company in Hawaii.
MBI is similar to a car warranty covering the repairs in case of a car breakdown. This is offered to car owners with vehicles less than 15 months old and with less than 15,000 miles.
In addition to this rare coverage, MoneyGeek has several common coverages, including rental reimbursement coverage and roadside assistance. It has a long list of discount opportunities for the average driver. Some standard discounts include bundling, having multiple cars or an anti-theft system.
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State Farm
Score:87
A State Farm policy costs around $624 per year, scoring 91 out of 100 based on MoneyGeek’s rankings. It’s the second-best auto insurance in Hawaii.
More About State Farm
State Farm Auto Insurance earns the highest satisfaction score and is the second-cheapest insurer in Hawaii. This insurer offers common coverages, including rental car and/or travel reimbursement, roadside assistance and rideshare insurance.
In addition to coverage, drivers can also take advantage of several common and unique discount offers. Bundling, multiple car and safe driving are some of this insurer's common discounts. A multiple-car discount can save you money by enrolling more than one vehicle under one policy.
It also offers a rare discount for installing daytime running lights so that other drivers can see your vehicle better as soon as you start your engine.
Keep in mind that State Farm’s lower coverage score indicates that you might not be able to purchase the coverage you need. The insurer's lower claims score also indicates you might not have a smooth claims filing experience.
3
GEICO
Score:87
Earning a 92 out of 100, GEICO’s policies are the best and cheapest in Hawaii at $565 per year. It offers mechanical breakdown insurance (MBI) as one of its unique coverages.
More About GEICO
Based on MoneyGeek’s ratings, GEICO earned perfect affordability and above-average satisfaction scores. This combination makes GEICO the best auto insurance company in Hawaii.
MBI is similar to a car warranty covering the repairs in case of a car breakdown. This is offered to car owners with vehicles less than 15 months old and with less than 15,000 miles.
In addition to this rare coverage, MoneyGeek has several common coverages, including rental reimbursement coverage and roadside assistance. It has a long list of discount opportunities for the average driver. Some standard discounts include bundling, having multiple cars or an anti-theft system.
4
State Farm
Score:87
A State Farm policy costs around $624 per year, scoring 91 out of 100 based on MoneyGeek’s rankings. It’s the second-best auto insurance in Hawaii.
More About State Farm
State Farm Auto Insurance earns the highest satisfaction score and is the second-cheapest insurer in Hawaii. This insurer offers common coverages, including rental car and/or travel reimbursement, roadside assistance and rideshare insurance.
In addition to coverage, drivers can also take advantage of several common and unique discount offers. Bundling, multiple car and safe driving are some of this insurer's common discounts. A multiple-car discount can save you money by enrolling more than one vehicle under one policy.
It also offers a rare discount for installing daytime running lights so that other drivers can see your vehicle better as soon as you start your engine.
Keep in mind that State Farm’s lower coverage score indicates that you might not be able to purchase the coverage you need. The insurer's lower claims score also indicates you might not have a smooth claims filing experience.
How the Best Insurers in Hawaii Rank: MoneyGeek Scores and Costs
After analyzing 11 insurance providers in Hawaii, we found that Hawaii Farm Bureau outshines its competitors by delivering superior customer service together with its very affordable policies. A close runner-up in our study is State Farm, which offers the second-lowest premiums and has very few customer complaints. But these providers have limited options for coverage.
Insurance buyers who prefer more coverage choices or with specific coverage needs will find that Foremost, Nationwide and Progressive offer a more extensive selection without sacrificing service quality when you file a claim. However, be prepared to pay higher premiums with these insurers.
An insurer only qualified for an overall MoneyGeek score if enough data could be found for all components of the scoring system.
Best Car Insurance in Hawaii for Customer Service
Policies with the best customer service may be more expensive, but they ensure that you have the best protection and assistance in the event of an accident or when filing claims. According to MoneyGeek's research, the following companies provide the best customer service for Hawaii drivers.
- Progressive: MoneyGeek score of 89 out of 100 ($1,243 per year)
- Allstate: MoneyGeek score of 88 out of 100 ($927 per year)
Allstate scored higher than Progressive for satisfaction, but Progressive scored the highest overall thanks to an above-average score for satisfaction and the highest score on claims among all other companies.
pros
Above-average satisfaction score
Offers custom parts coverage, roadside assistance and rental car reimbursement
cons
Below-average claims management score
Lacks other common coverages like accident forgiveness, gap insurance and new car replacement
COMPANY HIGHLIGHTS
As the best auto insurance for customer service, Progressive earned an 89 out of 100 MoneyGeek score. It has an above-average satisfaction score, and policies average $1,243 per year.
In addition to custom parts coverage, it offers 24-hour roadside assistance, which includes towing, lock-out and more. Rental reimbursement coverage can be purchased as an add-on and can be up to a limit you choose.
Insuring multiple cars, continuous insurance, five-year accident-free and three-year safe driving are just some of the discount opportunities offered to Hawaii drivers.
It’s important to note that Progressive has a lower-than-average claims management score. This indicates that policyholders may experience difficulties if they ever need to file a claim after an accident. This insurer’s high premiums also indicate that you will pay more money for excellent service.
What Makes an Insurer the Best for Customer Service?
Insurance companies with excellent customer service respond quickly and offer assistance when needed. Those who solve problems promptly have far higher customer satisfaction ratings than those who do not. In the aftermath of a major accident, good customer service can help to alleviate the customer's burden.
Progressive earned an above-average customer satisfaction score and offers a list of essential coverages. Having a balance of these factors makes this insurer an excellent choice for Hawaii drivers.
Best Car Insurance in Hawaii for Minimum Coverage
Looking at affordability and service for policies that meet Hawaii’s lowest liability requirements, we found that GEICO is the best insurer for minimum coverage.
- GEICO: MoneyGeek score of 93 out of 100 ($217 per year)
- State Farm: MoneyGeek score of 91 out of 100 ($268 per year)
While both companies received the same rating for their coverage, GEICO outperforms State Farm in terms of price, offering savings of up to $51 per year.
pros
Cheapest insurer for senior drivers in Hawaii
Above-average satisfaction score
Offers MBI and antique/classic car insurance
cons
Below-average claims management
Few unique coverages
COMPANY HIGHLIGHTS
GEICO scored 93 out of 100 and costs $217 per year. It earned a perfect affordability score and an above-average satisfaction score. GEICO is Hawaii's best auto insurance company for a minimum coverage policy.
GEICO offers a unique add-on to owners of classic or antique cars. Like a typical auto insurance policy, this coverage also provides liability coverage, uninsured and underinsured motorist coverage and medical coverage.
In addition to this unique coverage, MoneyGeek offers a variety of common benefits, such as rental reimbursement and roadside assistance. It has a long list of discounts available to the average driver. Bundling, multiple cars and anti-theft systems are all common discounts.
What Makes an Insurer the Best for Minimum Coverage?
GEICO provides the best minimum coverage by keeping rates as low as possible for Hawaii drivers while still providing quality service.
When looking for the best minimum policy, look for different discount opportunities and the list of coverages it provides.
Best Car Insurance in Hawaii for Young Adults
GEICO ranked as the best car insurance provider in Hawaii for young adults. Drivers in their 20s buying full coverage insurance policies may look for the following insurance companies with the most affordable rates and quality service.
- GEICO: MoneyGeek score of 92 out of 100 ($565 per year)
- State Farm: MoneyGeek score of 91 out of 100 ($624 per year)
Drivers in their 20s pay significantly less for car insurance than their younger counterparts. However, their policies are still more expensive than those of middle-aged drivers. Shopping around and comparing rates may help young adult drivers in Hawaii find affordable car insurance.
pros
Most affordable insurer for young adult drivers in Hawaii
Above-average satisfaction score
cons
Below-average claims management
Lacks common coverages like gap insurance and deductible modification
COMPANY HIGHLIGHTS
GEICO scored 92 out of 100 for auto insurance for young adults in Hawaii. A policy from this insurer costs $565 per year and it is the best auto insurance company for young adults.
GEICO offers unique coverages like MBI and antique/classic car insurance. It also offers accident forgiveness, preventing your insurance rates from going up after your first at-fault accident.
MoneyGeek also provides a variety of common coverages, such as rental reimbursement and roadside assistance. It provides a long list of discounts to the average driver. Bundling, multiple car discounts and anti-theft systems are some discounts to look out for.
What Makes an Insurer the Best for Young Adults?
Since young adult drivers are usually less experienced than middle-aged drivers, young drivers should compare prices to find the most affordable option. GEICO wins this category because it provides policies at a low cost while providing adequate coverage and high-quality service.
Best Car Insurance in Hawaii for Seniors
GEICO is the best insurance provider in Hawaii for senior drivers. According to MoneyGeek’s research, these are the top-rated insurers for drivers in their 60s:
- GEICO: MoneyGeek score of 92 out of 100 ($565 per year)
- State Farm: MoneyGeek score of 91 out of 100 ($624 per year)
GEICO is significantly much cheaper than all of its competitors. Meanwhile, the second-best insurer for this category outperforms GEICO in terms of customer satisfaction.
Auto insurance policies become more expensive as you age. Comparing quotes from multiple insurers gives you the best chance of saving more.
pros
Most affordable insurer for senior drivers in Hawaii
Above-average satisfaction score
Offers MBI and collector/classic car insurance
Offers discounts for senior drivers, seat belt use, safe driving and more
cons
Below-average claims management
Few unique coverages
COMPANY HIGHLIGHTS
Senior drivers should look at GEICO, which earned the highest score of 92 out of 100 for the best auto insurance ranking for their age group in Hawaii.
GEICO provides unique coverages, including MBI and antique/classic car insurance. It also provides accident forgiveness, which keeps your insurance rates from rising after your first at-fault collision.
There are several standard coverages, such as rental reimbursement and roadside assistance. Other discounts to look out for include bundling, multiple car discounts and anti-theft systems.
What Makes an Insurer the Best for Seniors?
As you get older, car insurance companies consider you as risky to insure. In addition to slowed reflexes, medical costs are much higher for seniors.
There are still affordable full coverage policies for seniors in Hawaii. These often come with personal injury protection (PIP) that help cover medical expenses.
Best Car Insurance in Hawaii for Drivers With Offenses
In Hawaii, State Farm offers the best policies even for drivers with traffic violations. The following companies ranked the highest in affordability and service ratings:
- State Farm: MoneyGeek score of 93 out of 100 ($712 per year)
- 21st Century: MoneyGeek score of 90 out of 100 ($936 per year)
State Farm is the cheapest provider. And like its top competitor, 21st Century scored fairly well in customer satisfaction.
A driving offense can quickly increase your auto insurance premiums. It helps if you shop around to ensure you get the best auto insurance at a reasonable rate.
pros
Most affordable insurer for Hawaii drivers with offenses
Offers daytime running lights coverage, airbag, anti-lock brakes and more
cons
Below-average claims management
Few unique coverage options
COMPANY HIGHLIGHTS
State Farm earned 93 out of 100, making it the best auto insurance for drivers with offenses and the cheapest at $712 annually.
It offers common coverages, such as rental and travel expenses coverage, paying for expenses up to the chosen limit and an additional maximum of $500 repayment if you damage a rental car.
Drivers with traffic violations may save on premiums by having factory-installed daytime running lamps on their vehicle, as well as airbag and anti-lock brakes for safety.
What Makes an Insurer the Best for Drivers With Offenses?
Finding an insurer willing to provide coverage at an affordable price for drivers with a driving offense can be difficult. However, comparing offers usually results in the lowest premiums.
State Farm is a solid choice for drivers with traffic offenses such as a ticket, DUI or an at-fault accident.
Best Car Insurance in Hawaii for Drivers With New Cars
MoneyGeek picks the best insurance company in Hawaii for drivers with new cars. The below scores are based on affordability and service quality for drivers with a 2022 model car. In this ranking, we only considered companies that offer new car replacement or better car replacement coverage:
- Allstate: MoneyGeek score of 92 out of 100 ($1,107 per year)
Allstate earned an above-average score for customer satisfaction and coverage offers. However, there may be better choices for receiving an excellent claims experience.
pros
Cheapest company in Hawaii
Average satisfaction score
Offers new car replacement coverage and a new vehicle discount
cons
Below-average claims management
Does not offer a discount for insuring multiple cars
COMPANY HIGHLIGHTS
Scoring 92 out of 100, the best auto insurance in Hawaii for drivers with a new car is Allstate, which costs $1,107 per year.
Allstate offers a list of unique coverages at an additional cost: antique/classic car insurance, custom parts coverage, portable electronics and sound system coverage.
In addition to these rarely offered coverages, Allstate offers new car replacement, gap insurance, deductible modification and more.
What Makes an Insurer the Best for Drivers With New Cars?
Drivers with new cars require adequate insurance coverage to protect their significant investment. They stand to benefit the most from having new or better car replacement coverage added to their policy. A good insurance company for these drivers will offer these coverage options.
Best Car Insurance in Hawaii for Military Drivers
USAA is the best car insurance provider for military veterans, with a MoneyGeek score of 92 out of 100. USAA's average full coverage premium is $551 per year, the cheapest in Hawaii.
If you meet the eligibility requirements, USAA is the best option because of its low-cost policies and coverages designed specifically for military personnel and their families.
pros
Excellent customer satisfaction score
Discounts tailored to military members
Offers unique vehicle storage coverage
cons
Below-average claims management
Few unique coverages offered
COMPANY HIGHLIGHTS
Consistently ranking as the best insurance company, USAA scored 92 out of 100. Insured military drivers in Hawaii pay $551 per year.
Although it lacks unique coverages, USAA policies are ideal for military drivers and their families.
In addition to coverages like rideshare insurance, accident forgiveness, roadside assistance and rental reimbursement, USAA has several discounts like bundling, safe driving, legacy, mileage and more.
How to Find the Best Car Insurance in Hawaii for You
The best car insurance combines low cost, financial stability and a history of providing excellent service.
MoneyGeek gathered quotes to help you find the insurer who best meets your needs and profile. However, knowing what you need from an insurance company will help you in your search. Below, MoneyGeek has given you a general outline for finding quality insurance. However, doing your own research will ensure the right fit.
1
Research customer service reputations in Hawaii
MoneyGeek has summed up the customer service ratings of the top providers in Hawaii using data from J.D. Power's customer satisfaction study and the NAIC customer complaint index. These reputable and independent agencies can guide you when checking an insurer's service record. You may also visit the Hawaii Department of Insurance website to get more information on a particular insurance company.
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Compare quotes
MoneyGeek's quotes are based on average rates for sample drivers in Hawaii, but they may differ from your actual rates because insurers consider a variety of factors when calculating premiums. It's still a good idea to get personalized quotes from at least three different insurers to get an idea of how much your car insurance will cost.
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Find the coverages you want in Hawaii
Some insurers advertise state-specific coverages and discounts on their websites. It's worth your time and effort to visit the website of your preferred insurance company to learn about the coverages and discounts it provides. Confirm the insurer's web-advertised offers by contacting them.
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Check financial stability ratings
The financial strength rating of an insurer indicates how well the insurer can meet its financial obligations to policyholders who file claims. Most auto insurers are relatively large and diverse businesses with low chances of bankruptcy or inability to pay claims. But this is still worth checking, especially if you're considering purchasing a policy from a smaller, regional insurer. These have lower ratings for financial stability.
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FAQs About the Best Car Insurance in Hawaii
MoneyGeek answered frequently asked questions about the best car insurance in Hawaii to help drivers find suitable car insurance for their insurance needs.
About Mark Fitzpatrick
