GEICO is the best car insurance company in Hawaii, earning a MoneyGeek score of 4.5 out of 5 for its strong performance in affordability and customer service. Since insurance needs vary by individual situation, we also recommend considering Island, Farmers, State Farm and Progressive.
Best Car Insurance in Hawaii
Updated: August 26, 2025
Advertising & Editorial Disclosure
Key Takeaways
Best overall car insurance provider in Hawaii is GEICO, ranking first in affordability.
Progressive offers the best insurance for drivers with DUIs and those with bad credit, while GEICO provides the most affordable coverage for low-income drivers in Hawaii.
To find the best car insurance rates in Hawaii, decide on coverage needs first, research provider options and compare plenty of quotes before purchasing.
Best Car Insurance Companies in Hawaii
| GEICO | 4.50 | $45 | 4 | 5 |
| Island | 4.45 | $57 | 2 | 3 |
| Farmers | 4.18 | $54 | 6 | 1 |
| State Farm | 4.02 | $62 | 3 | 5 |
| Progressive | 3.98 | $79 | 1 | 2 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Hawaii by Driver Profile
GEICO leads in five out of 10 driver categories in Hawaii, offering the lowest rates for adult drivers, seniors, low-income drivers and both new and old vehicles. Island provides the best rates for young drivers and those with accidents or tickets, while Progressive offers the cheapest coverage for drivers with DUIs or bad credit.
| Young Drivers | Island | 3 | 2 | 3 |
| Adult Drivers | GEICO | 1 | 4 | 5 |
| Senior Drivers | GEICO | 1 | 4 | 5 |
| Drivers With an Accident | Island | 3 | 2 | 3 |
| Drivers With a DUI | Progressive | 3 | 1 | 2 |
| Drivers With a Speeding Ticket | Island | 3 | 2 | 3 |
| Drivers With Bad Credit | Progressive | 4 | 1 | 2 |
| Drivers With Low Income | GEICO | 1 | 3 | 4 |
| Drivers With Newer Cars | GEICO | 1 | 4 | 5 |
| Drivers With Old Cars | GEICO | 1 | 4 | 5 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Hawaii Car Insurance Recommendations
Your insurance needs may differ from our general recommendations. Compare our top five providers below to find coverage that matches your specific profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| GEICO | 4.50 | $147 | 3 | 4 |
| Farmers | 4.40 | $157 | 5 | 1 |
| Progressive | 3.98 | $267 | 1 | 2 |
| Allstate | 3.95 | $205 | 4 | 3 |
| State Farm | 3.71 | $237 | 2 | 4 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Hawaii Car Insurance Reviews
See detailed service comparisons below for our top-rated insurance picks in each category.
GEICO
Best Cheap Overall in Hawaii
MoneyGeek Rating
4.5/ of 5
5/5Affordability
4.2/5Customer Experience
2.5/5Coverage Options
Average Monthly Full Coverage Cost
$66For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$24For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Mechanical Breakdown Insurance
Island Insurance Group
Best Customer Experience in Hawaii
MoneyGeek Rating
4.5/ of 5
4.3/5Affordability
4.9/5Customer Experience
4.1/5Coverage Options
Average Monthly Full Coverage Cost
$80For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$33For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
N/AAggregated across all captive and independent agentsMost Unique Coverage Add-on
New Car Replacement
How to Find the Best Car Insurance in Hawaii
Finding the right car insurance in Hawaii can be challenging. We've created this guide to help you choose coverage that fits your needs and budget.
- 1
Decide on coverage needs before you buy
Not knowing what coverage you need is the quickest way to overpay. Consider your driving patterns, financial situation and location when deciding on coverage, while meeting Hawaii required minimums.
- 2
Research average costs and discounts
Understand average car insurance costs in Hawaii and find home and auto insurance bundles, usage-based insurance programs and safe driver discounts. You can complete a defensive driving program for additional savings.
- 3
Evaluate provider reputation and coverage options
Look for customer reviews and claims experiences to find the best option.
- 4
Explore alternative coverage types
Consider non-owner car insurance or pay-per-mile policies if they better match your situation. These provide more cost-effective coverage.
- 5
Compare multiple quotes through different channels
Shop around to get the cheapest option possible. Get quotes from various sources, as prices can vary.
- 6
Review coverage annually
Compare rates and coverage options yearly to ensure you maintain the best value for your insurance dollar.
Best Hawaii Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. GEICO is the top-rated company overall, while Island and Farmers are also good options for drivers in Hawaii.
Best Auto Insurance in Hawaii: FAQ
Your ideal car insurance depends on your specific needs, so here's what you should know about choosing coverage that fits your situation and budget.
What is the best car insurance company in Hawaii?
GEICO leads Hawaii's auto insurance market with a MoneyGeek score of 4.5 out of 5 and full coverage premiums averaging $66 per month.
What is the best car insurance company for minimum coverage in Hawaii?
GEICO offers the lowest minimum coverage in Hawaii with average rates starting at $292 per year.
What is the best car insurance in Hawaii for young drivers?
Island stands as the top choice for young adults in Hawaii, combining competitive rates around $81 monthly for full coverage with strong customer service ratings.
What is the best car insurance for Hawaii drivers who value customer service?
Progressive ranks first for customer experience. The company delivers excellent service through its streamlined buying process, responsive agents and efficient claims handling.
What is the best car insurance in Hawaii if you have driving offenses?
Island leads the market for Hawaii drivers with violations, offering monthly rates of $36 for minimum coverage and $87 for full coverage auto insurance policies.
How We Rated the Best Car Insurance in Hawaii
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Hawaii. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Hawaii. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Hawaii-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.